KELLOGG COMMUNITY

Charter #68678 | MI

750M-1B (112 CUs) Community (281 CUs)
9 750M-1B in MI

KELLOGG COMMUNITY has 7 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 8.8% in tier
  • + Organic Growth Leader: Top 13.1% in tier
  • + Relationship Depth Leader: Top 31.5% in tier
  • + Wallet Share Momentum: Top 31.6% in tier
  • + ROA 0.69% above tier average
  • + Net Interest Margin 0.03% above tier average
  • + Net Worth Ratio: Top 4.5% in tier

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 3.6% in tier
  • - Cost Spiral: Bottom 7.0% in tier
  • - Liquidity Overhang: Bottom 18.8% in tier
  • - Liquidity Strain: Bottom 18.9% in tier
  • - Indirect Auto Dependency: Bottom 29.1% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Members 50,540
+3.0% YoY+0.7% QoQ
 -1.6K 52,114
-2.1% YoY
 35,456
+8.6% YoY
 33,089
+6.1% YoY
 47th in tier
Assets $925.5M
+3.6% YoY-0.3% QoQ
 +$66.5M $859.0M
+0.0% YoY
 $650.8M
+12.6% YoY
 $547.7M
+7.8% YoY
 Top 19.6% in tier
Loans $708.0M
+7.3% YoY+1.6% QoQ
 +$104.7M $603.4M
+1.0% YoY
 $461.6M
+14.9% YoY
 $388.7M
+8.6% YoY
 Top 17.9% in tier
Deposits $760.7M
+2.8% YoY-1.1% QoQ
 +$26.6M $734.2M
+0.9% YoY
 $550.3M
+12.5% YoY
 $464.6M
+9.3% YoY
 68th in tier
ROA 1.4%
-18.4% YoY+10.3% QoQ
 +0.7% 0.7%
+27.6% YoY
 0.8%
-27.1% YoY
 0.7%
+273.4% YoY
 Top 10.7% in tier
NIM 3.4%
+9.8% YoY+4.1% QoQ
 +0.0% 3.4%
+9.6% YoY
 3.7%
+8.5% YoY
 3.7%
+5.0% YoY
 50th in tier
Efficiency Ratio 64.7%
+11.0% YoY-2.9% QoQ
 -9.8% 74.5%
-3.2% YoY
 76.1%
-1.3% YoY
 79.1%
-3.3% YoY
 Bottom 19.6% in tier
Delinquency Rate 0.5%
-15.1% YoY-15.4% QoQ
 -0.3 0.8%
+5.0% YoY
 0.9%
-19.7% YoY
 1.2%
-0.9% YoY
 30th in tier
Loan To Share 93.1%
+4.4% YoY+2.7% QoQ
 +10.4% 82.7%
+0.1% YoY
 68.1%
+0.3% YoY
 68.0%
-1.7% YoY
 74th in tier
AMR $29,061
+1.8% YoY-0.5% QoQ
 +$410 $28,651
+2.5% YoY
 $22,054
+2.5% YoY
 $19,418
+1.3% YoY
 62nd in tier
CD Concentration 31.6%
-12.4% YoY+2.9% QoQ
 +7.2% 24.4%
+4.2% YoY
 18.6%
+6.0% YoY
 19.6%
+6.2% YoY
 75th in tier
Indirect Auto % 19.7%
-3.7% YoY-4.3% QoQ
 +5.8% 14.0%
-5.8% YoY
 11.9%
-2.7% YoY
 7.9%
-2.9% YoY
 70th in tier

Signature Analysis

Strengths (4)

Organic Growth Engine

growth
#163 of 603 • Top 8.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 3.01%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 1.40%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 19.73%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Organic Growth Leader

growth
#174 of 430 • Top 13.1% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 3.01%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 281 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | New qualifier

Relationship Depth Leader

growth
#869 of 1006 • Top 31.5% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 1.83%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $2.4K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#872 of 1006 • Top 31.6% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 1.83%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (5)

Margin Compression

decline
#16 of 136 • Bottom 3.6% in tier

Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 1.40%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
ROA Change (YoY): -0.32% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Total Assets: $925.50M
(Tier: $859.01M, National: $547.69M)
but better than tier avg
136 of 281 Community CUs have this signature | 169 nationally
↓ Shrinking -43 CUs YoY | New qualifier

Cost Spiral

risk
#18 of 62 • Bottom 7.0% in tier

Historically lean operator now seeing efficiency ratio rise significantly. Efficiency advantage eroding - early intervention critical.

Why This Signature
Efficiency Ratio Change: 6.40% points
(Tier: -2.84% points, National: -1.81% points)
worse than tier avg
Efficiency Ratio (Prior Year): -
(Tier: -, National: -)
Total Assets: $925.50M
(Tier: $859.01M, National: $547.69M)
but better than tier avg
62 of 281 Community CUs have this signature | 80 nationally
↓ Shrinking -38 CUs YoY | New qualifier

Liquidity Overhang

risk
#292 of 552 • Bottom 18.8% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 17.22%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 93.07%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 281 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank worsening

Liquidity Strain

risk
#147 of 258 • Bottom 18.9% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 93.07%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 7.29%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
258 of 281 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#468 of 525 • Bottom 29.1% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 3.56%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 19.73%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 3.01%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 281 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank worsening

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)

Comparing against 112 peers in tier

Top Strengths (7 metrics)

6
Net Worth Ratio
risk
Value: 17.22%
Peer Avg: 11.52%
#6 of 112 Top 4.5% in 750M-1B tier
12
Return on Assets (ROA)
profitability
Value: 1.40%
Peer Avg: 0.71%
#12 of 112 Top 9.8% in 750M-1B tier
20
Total Loans
balance_sheet
Value: $708.02M
Peer Avg: $603.36M
#20 of 112 Top 17.0% in 750M-1B tier
22
Total Assets
balance_sheet
Value: $925.50M
Peer Avg: $859.01M
#22 of 112 Top 18.8% in 750M-1B tier
23
Efficiency Ratio
profitability
Value: 64.75%
Peer Avg: 74.52%
#23 of 112 Top 19.6% in 750M-1B tier
27
Net Charge-Off Rate
risk
Value: 0.28%
Peer Avg: 0.61%
#27 of 112 Top 23.2% in 750M-1B tier
29
Loan-to-Share Ratio
balance_sheet
Value: 93.07%
Peer Avg: 82.66%
#29 of 112 Top 25.0% in 750M-1B tier

Top Weaknesses (0 metrics)

No weakness rankings available