BlastPoint's Credit Union Scorecard

KELLOGG COMMUNITY

Charter #68678 · MI

Community 750M-1B

112 CUs in 750M-1B nationally 9 in MI

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KELLOGG COMMUNITY has 7 strengths but faces 5 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

MI Analysis

How does MI stack up?

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
+ Profitability Leader: Top 53.4% in tier
+ Relationship Depth Leader: Top 90.2% 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 Strain: Bottom 18.9% in tier
- Indirect Auto Dependency: Bottom 29.1% in tier
- Liquidity Overhang: Bottom 86.5% 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	47%
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	80%
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	82%
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	68%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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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	50%
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	20%
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	30%
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	74%
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	62%
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	75%
Indirect Auto %	19.7% -3.7% YoY-4.3% QoQ	+5.8%	14.0% -5.7% YoY	11.9% -2.7% YoY	7.9% -2.9% YoY	70%

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: 13.97%, National: 7.90%)

but worse than tier avg

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 (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 3.01%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 19.73%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

608 nationally

↓ Shrinking -21 CUs YoY | New qualifier

Profitability Leader

growth

#182 of 340 • Top 53.4% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.40%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): -0.32% points

(Tier: 0.11% points, National: 0.05% points)

but worse than tier avg

457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank worsening

Relationship Depth Leader

growth

#232 of 257 • Top 90.2% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

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

257 of 281 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | Rank worsening

Concerns (5)

Margin Compression

decline

#16 of 136 • Bottom 3.6% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. 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 (Prior Year): 1.72%

(Tier: 0.66%, National: 0.67%)

but better than tier avg

ROA Change (YoY): -0.32% points

(Tier: 0.11% points, National: 0.05% points)

worse 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 (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

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): 43.28%

(Tier: 59.95%, National: 63.68%)

but better than tier avg

62 of 281 Community CUs have this signature | 80 nationally

↓ Shrinking -38 CUs YoY | New qualifier

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: 3.65%, 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: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 3.01%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

768 nationally

↓ Shrinking -18 CUs YoY | Rank worsening

Liquidity Overhang

risk

#116 of 134 • Bottom 86.5% 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

134 of 281 Community CUs have this signature | 155 nationally

↑ Growing +25 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)

Compare against:

Comparing against 112 peers in tier

Top Strengths (7 metrics)

Net Worth Ratio

risk

Value: 17.22%

Peer Avg: -

#6 of 112 Top 4.5% in 750M-1B tier

Return on Assets (ROA)

profitability

Value: 1.40%

Peer Avg: -

#12 of 112 Top 9.8% in 750M-1B tier

Total Loans

balance_sheet

Value: $708.02M

Peer Avg: -

#20 of 112 Top 17.0% in 750M-1B tier

Total Assets

balance_sheet

Value: $925.50M

Peer Avg: -

#22 of 112 Top 18.8% in 750M-1B tier

Efficiency Ratio

profitability

Value: 64.75%

Peer Avg: -

#23 of 112 Top 19.6% in 750M-1B tier

Net Charge-Off Rate

risk

Value: 0.28%

Peer Avg: -

#27 of 112 Top 23.2% in 750M-1B tier

Loan-to-Share Ratio

balance_sheet

Value: 93.07%

Peer Avg: -

#29 of 112 Top 25.0% in 750M-1B tier

Top Weaknesses (0 metrics)

No weakness rankings available