BlastPoint's Credit Union Scorecard
KELLOGG COMMUNITY
Charter #68678 · MI
KELLOGG COMMUNITY has 6 strengths but faces 4 concerns
How does the industry compare?
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How does MI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 31.5% in tier
- + Organic Growth Leader: Top 54.8% in tier
- + Relationship Depth Leader: Top 80.2% in tier
- + ROA 0.69% above tier average
- + Net Interest Margin 0.01% above tier average
- + Net Worth Ratio: Top 6.0% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 32.0% in tier
- - Indirect Auto Dependency: Bottom 76.8% in tier
- - Liquidity Overhang: Bottom 91.8% in tier
- - Liquidity Strain: Bottom 92.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
50,712
+2.3% YoY+0.3% QoQ
|
-1.4K |
52,084
-1.6% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
46% |
| Assets |
$961.6M
+6.0% YoY+3.9% QoQ
|
+$97.7M |
$863.9M
+0.5% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
Top 12.8% in tier |
| Loans |
$713.8M
+5.3% YoY+0.8% QoQ
|
+$108.0M |
$605.8M
+1.4% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
84% |
| Deposits |
$792.9M
+4.8% YoY+4.2% QoQ
|
+$55.6M |
$737.3M
+0.1% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
73% |
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| ROA |
1.4%
-8.7% YoY+2.3% QoQ
|
+0.7% |
0.7%
+39.1% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
Top 9.4% in tier |
| NIM |
3.4%
+9.5% YoY-0.1% QoQ
|
+0.0% |
3.4%
+8.7% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
49% |
| Efficiency Ratio |
64.0%
+5.6% YoY-1.1% QoQ
|
-10.3% |
74.3%
-3.6% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
18% |
| Delinquency Rate |
0.7%
-14.1% YoY+41.9% QoQ
|
-0.2 |
0.9%
+3.8% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
44% |
| Loan To Share |
90.0%
+0.5% YoY-3.3% QoQ
|
+7.5% |
82.6%
+1.1% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
63% |
| AMR |
$29,710
+2.7% YoY+2.2% QoQ
|
+$837 |
$28,873
+2.7% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
63% |
| CD Concentration |
33.8%
-9.8% YoY+7.0% QoQ
|
+9.4% | 24.4% | 18.6% | 19.8% | 81% |
| Indirect Auto % |
19.9%
-5.1% YoY+0.8% QoQ
|
+6.1% | 13.8% | 11.8% | 7.8% | 71% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (4)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)