KELLOGG MIDWEST
Charter #5286 · LaVista, NE · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 2,506 sits at the 10th percentile of structural peers — worth a closer look.
- Net worth ratio of 21.57% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of -0.43% sits at the 5th percentile of structural peers — worth a closer look.
- Efficiency ratio of 103.48% sits at the 93rd percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 76th percentile but its structural peers at the 48th — a 28-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | KELLOGG MIDWEST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $56.20M | 16th pct | 28th pct |
| Members | 2,506 | 4th pct | 10th pct |
| Net worth ratio | 21.57% | 94th pct | 75th pct |
| Return on average assets | -0.43% | 7th pct | 5th pct |
| Net interest margin | 3.56% | 42th pct | 39th pct |
| Cost of funds | 0.97% | 54th pct | 51th pct |
| Loan-to-share | 74.33% | 76th pct | 48th pct |
| Delinquency 60+ days | 0.80% | 62th pct | 64th pct |
| Net charge-off ratio | 0.26% | 51th pct | 70th pct |
| Loan growth YoY | -1.99% | 44th pct | 31th pct |
| Share growth YoY | 3.12% | 53th pct | 61th pct |
| Efficiency ratio | 103.48% | 95th pct | 93th pct |
structural peer set hash: cc16242bbae02f61f41fe981dddcaba0… (reproducible)
Closest structural peers
This is the free public view
Claim KELLOGG MIDWEST
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.