BlastPoint's Credit Union Scorecard
KELLOGG MIDWEST
Charter #5286 · NE
KELLOGG MIDWEST has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Loan-to-Member Ratio (LMR): Top 3.5% in tier
- + Average Member Relationship (AMR): Top 4.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.57% below tier average
- - Efficiency ratio 12.84% above tier (higher cost structure)
- - Member decline: -6.0% YoY
- - First Mortgage Concentration (%): Bottom 3.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,506
-6.0% YoY-1.1% QoQ
|
-170 |
2,676
+1.6% YoY
|
11,118
+0.3% YoY
|
33,913
+5.7% YoY
|
61% |
| Assets |
$56.2M
-2.0% YoY+2.3% QoQ
|
+$26.0M |
$30.2M
+1.3% YoY
|
$139.9M
+5.0% YoY
|
$578.3M
+9.0% YoY
|
81% |
| Loans |
$32.2M
-4.6% YoY-1.6% QoQ
|
+$16.9M |
$15.3M
-2.0% YoY
|
$100.8M
+9.2% YoY
|
$402.4M
+8.7% YoY
|
Top 15.0% in tier |
| Deposits |
$43.4M
-3.3% YoY+2.9% QoQ
|
+$17.6M |
$25.8M
+0.7% YoY
|
$120.0M
+4.5% YoY
|
$494.3M
+9.1% YoY
|
77% |
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| ROA |
-0.4%
-259.7% YoY-360.1% QoQ
|
-0.6% |
0.1%
-77.6% YoY
|
0.5%
+30.6% YoY
|
0.4%
-39.2% YoY
|
Bottom 13.8% in tier |
| NIM |
3.5%
-0.0% YoY-4.5% QoQ
|
-0.5% |
4.0%
+4.0% YoY
|
4.1%
+5.7% YoY
|
3.8%
+4.1% YoY
|
37% |
| Efficiency Ratio |
103.5%
+13.9% YoY+11.3% QoQ
|
+12.8% |
90.6%
+6.5% YoY
|
81.5%
-7.1% YoY
|
84.6%
+2.8% YoY
|
Bottom 13.4% in tier |
| Delinquency Rate |
0.8%
+688.9% YoY-20.0% QoQ
|
-0.7 |
1.5%
+3.8% YoY
|
1.1%
+31.3% YoY
|
1.2%
+3.4% YoY
|
57% |
| Loan To Share |
74.3%
-1.4% YoY-4.4% QoQ
|
+15.8% |
58.5%
-3.0% YoY
|
68.2%
-0.4% YoY
|
65.6%
-1.4% YoY
|
73% |
| AMR |
$30,165
+2.2% YoY+2.1% QoQ
|
+$15K |
$14,884
-1.7% YoY
|
$17,286
+1.1% YoY
|
$19,920
+1.6% YoY
|
Top 4.2% in tier |
| CD Concentration |
20.5%
-0.9% YoY-2.4% QoQ
|
-3.8% | 24.3% | 22.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.5% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)