BlastPoint's Credit Union Scorecard

KELLOGG COMMUNITY

Charter #68678 · MI

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 21 in MI

View Mid-Market leaderboard →

KELLOGG COMMUNITY has 5 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

MI Analysis

How does MI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Emerging Performer: Top 9.9% in tier
+ ROA 0.65% above tier average
+ Net Interest Margin 0.07% above tier average
+ Efficiency Ratio: Top 4.6% in tier
+ Net Worth Ratio: Top 4.9% in tier

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 4.4% in tier
- Indirect Auto Dependency: Bottom 26.8% in tier
- Credit Quality Pressure: Bottom 57.1% in tier
- Credit Risk Growth: Bottom 57.9% in tier
- Total Assets: Bottom 1.3% in tier
- Total Deposits: Bottom 1.3% in tier
- Total Members: Bottom 7.5% in tier
- Total Loans: Bottom 9.2% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	50,750 +1.8% YoY+0.1% QoQ	-45.3K	96,048 -2.7% YoY	36,022 +6.3% YoY	33,913 +5.7% YoY	Bottom 7.2% in tier
Assets	$1.0B +8.1% YoY+4.8% QoQ	$-711.8M	$1.7B +0.4% YoY	$705.1M +14.1% YoY	$578.3M +9.0% YoY	Bottom 1.0% in tier
Loans	$712.5M +4.2% YoY-0.2% QoQ	$-501.2M	$1.2B +0.2% YoY	$480.6M +13.6% YoY	$402.4M +8.7% YoY	Bottom 8.8% in tier
Deposits	$837.1M +7.7% YoY+5.6% QoQ	$-628.5M	$1.5B +0.5% YoY	$601.5M +14.1% YoY	$494.3M +9.1% YoY	Bottom 1.0% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.4% +29.9% YoY-4.1% QoQ	+0.7%	0.7% +27.6% YoY	0.9% +85.7% YoY	0.4% -39.2% YoY	Top 9.5% in tier
NIM	3.4% +7.1% YoY+0.5% QoQ	+0.1%	3.4% +6.2% YoY	3.7% +3.8% YoY	3.8% +4.1% YoY	54%
Efficiency Ratio	58.5% -16.5% YoY-8.6% QoQ	-16.1%	74.6% -3.0% YoY	75.8% -7.1% YoY	84.6% +2.8% YoY	Top 4.6% in tier
Delinquency Rate	0.5% +1.3% YoY-25.6% QoQ	-0.2	0.8% +6.9% YoY	0.7% -7.8% YoY	1.2% +3.4% YoY	38%
Loan To Share	85.1% -3.3% YoY-5.5% QoQ	+1.9%	83.2% -0.4% YoY	65.1% -0.0% YoY	65.6% -1.4% YoY	50%
AMR	$30,534 +4.2% YoY+2.8% QoQ	+$882	$29,652 +2.3% YoY	$22,971 +5.9% YoY	$19,920 +1.6% YoY	62%
CD Concentration	30.9% -8.3% YoY-8.8% QoQ	+2.0%	28.8%	18.6%	19.8%	60%
Indirect Auto %	19.7% -5.8% YoY-1.2% QoQ	+1.6%	18.1%	11.7%	7.7%	60%

Signature Analysis

Strengths (1)

Emerging Performer

growth

#42 of 79 • Top 9.9% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.37%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 1.84%

(Tier: 3.50%, National: 10.19%)

but worse than tier avg

79 of 384 Mid-Market CUs have this signature | 260 nationally

→ No prior data (79 CUs now) | New qualifier

Concerns (4)

Indirect Auto Dependency

risk

#103 of 198 • Bottom 26.8% in tier

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

Why This Signature

Asset Growth (YoY): 8.10%

(Tier: 6.82%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 19.66%

(Tier: 18.07%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 1.84%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

198 of 384 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -10 CUs YoY | Rank improving

Liquidity Overhang

risk

#13 of 15 • Bottom 4.4% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 16.53%

(Tier: 11.28%, National: 14.35%)

but better than tier avg

Loan-to-Share Ratio: 85.12%

(Tier: 84.20%, National: 65.58%)

but better than tier avg

15 of 384 Mid-Market CUs have this signature | 143 nationally

→ Stable (16→15 CUs) -1 CUs YoY | Rank improving

Credit Risk Growth

risk

#170 of 183 • Bottom 57.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 4.20%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.01% points

(Tier: 0.06% points, National: 0.12% points)

but better than tier avg

183 of 384 Mid-Market CUs have this signature | 710 nationally

→ No prior data (183 CUs now) | New qualifier

Credit Quality Pressure

risk

#217 of 225 • Bottom 57.1% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.01% points

(Tier: 0.06% points, National: 0.12% points)

but better than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | Rank improving

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 306 peers in tier

Top Strengths (5 metrics)

Efficiency Ratio

profitability

Value: 58.50%

Peer Median: 75.16%

#15 of 306 Top 4.6% in 1B-3B tier

Net Worth Ratio

risk

Value: 16.53%

Peer Median: 10.85%

#16 of 306 Top 4.9% in 1B-3B tier

Return on Assets (ROA)

profitability

Value: 1.37%

Peer Median: 0.66%

#29 of 306 Top 9.2% in 1B-3B tier

Asset Growth Rate

growth

Value: 8.10%

Peer Median: 4.82%

#75 of 306 Top 24.2% in 1B-3B tier

Deposit Growth Rate

growth

Value: 7.72%

Peer Median: 4.44%

#76 of 306 Top 24.5% in 1B-3B tier

Top Weaknesses (4 metrics)

303

Total Assets

balance_sheet

Value: $1.01B

Peer Median: $1.51B

#303 of 306 Bottom 1.3% in 1B-3B tier

303

Total Deposits

balance_sheet

Value: $837.09M

Peer Median: $1.31B

#303 of 306 Bottom 1.3% in 1B-3B tier

284

Total Members

engagement

Value: 50,750

Peer Median: 85,918

#284 of 306 Bottom 7.5% in 1B-3B tier

279

Total Loans

balance_sheet

Value: $712.49M

Peer Median: $1.11B

#279 of 306 Bottom 9.2% in 1B-3B tier