BlastPoint's Credit Union Scorecard
KELLOGG COMMUNITY
Charter #68678 · MI
KELLOGG COMMUNITY has 4 strengths but faces 6 concerns
How does the industry compare?
What's your peer group doing?
How does MI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 25.8% in tier
- + ROA 0.63% above tier average
- + Efficiency Ratio: Top 5.0% in tier
- + Net Worth Ratio: Top 5.3% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 4.8% in tier
- - Indirect Auto Dependency: Bottom 19.1% in tier
- - Total Assets: Bottom 2.7% in tier
- - Total Deposits: Bottom 2.7% in tier
- - Total Members: Bottom 7.3% in tier
- - Total Loans: Bottom 8.3% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 21 that size in Michigan.
- Shares and deposits +10.1% year over year ($847M in shares and deposits).
- Membership: 50,577 members, +0.8% vs a year ago.
- Delinquency rate 0.41%.
- Return on assets 1.45%.
- Efficiency ratio 57.24% vs a 73.02% peer average.
- Loan-to-share ratio 85.09% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
50,577
+0.8% YoY-0.3% QoQ
|
-46.3K |
96,861
-1.9% YoY
|
36,289
+5.9% YoY
|
34,678
+6.6% YoY
|
Bottom 7.0% in tier |
| Assets |
$1.0B
+9.9% YoY+1.2% QoQ
|
$-704.1M |
$1.7B
+0.4% YoY
|
$717.2M
+13.9% YoY
|
$593.1M
+10.2% YoY
|
Bottom 2.3% in tier |
| Loans |
$720.5M
+3.4% YoY+1.1% QoQ
|
$-513.7M |
$1.2B
+0.7% YoY
|
$498.6M
+13.7% YoY
|
$418.6M
+10.1% YoY
|
Bottom 8.0% in tier |
| Deposits |
$846.8M
+10.1% YoY+1.2% QoQ
|
$-616.6M |
$1.5B
+0.5% YoY
|
$610.4M
+14.2% YoY
|
$504.8M
+10.3% YoY
|
Bottom 2.3% in tier |
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| ROA |
1.4%
+14.1% YoY+5.5% QoQ
|
+0.6% |
0.8%
+27.6% YoY
|
1.0%
+47.3% YoY
|
1.2%
+121.4% YoY
|
Top 8.0% in tier |
| NIM |
3.5%
+5.8% YoY+1.2% QoQ
|
+0.0% |
3.4%
+6.6% YoY
|
3.8%
+4.4% YoY
|
3.8%
+2.3% YoY
|
50% |
| Efficiency Ratio |
57.2%
-14.2% YoY-2.1% QoQ
|
-15.8% |
73.0%
-2.7% YoY
|
74.6%
-8.6% YoY
|
83.0%
-5.3% YoY
|
Top 5.0% in tier |
| Delinquency Rate |
0.4%
-28.3% YoY-19.8% QoQ
|
-0.5 |
0.9%
+7.3% YoY
|
0.9%
+9.0% YoY
|
1.3%
+2.6% YoY
|
21% |
| Loan To Share |
85.1%
-6.1% YoY-0.0% QoQ
|
+0.4% |
84.7%
+0.1% YoY
|
66.6%
+0.6% YoY
|
66.4%
-1.4% YoY
|
46% |
| AMR |
$30,988
+6.1% YoY+1.5% QoQ
|
+$1K |
$29,575
+1.5% YoY
|
$23,154
+6.0% YoY
|
$20,028
-0.9% YoY
|
65% |
| CD Concentration |
30.4%
-1.3% YoY-1.6% QoQ
|
+1.3% | 29.1% | 18.8% | 20.0% | 58% |
| Indirect Auto % |
19.1%
-7.4% YoY-2.9% QoQ
|
+1.0% | 18.1% | 11.7% | 7.7% | 59% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
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)