KELLOGG COMMUNITY
Charter #68678 · BATTLE CREEK, MI · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 16.53% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.40% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 2.10% sits at the 87th percentile of structural peers — worth a closer look.
- Efficiency ratio of 58.50% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 1st percentile but its structural peers at the 43rd — a 42-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 COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.01B | 1th pct | 43th pct |
| Members | 50,750 | 5th pct | 30th pct |
| Net worth ratio | 16.53% | 96th pct | 97th pct |
| Return on average assets | 1.40% | 89th pct | 82th pct |
| Net interest margin | 3.51% | 60th pct | 36th pct |
| Cost of funds | 2.10% | 66th pct | 87th pct |
| Loan-to-share | 85.12% | 46th pct | 54th pct |
| Delinquency 60+ days | 0.51% | 39th pct | 44th pct |
| Net charge-off ratio | 0.46% | 43th pct | 54th pct |
| Loan growth YoY | 0.63% | 35th pct | 26th pct |
| Share growth YoY | 10.04% | 92th pct | 92th pct |
| Efficiency ratio | 58.50% | 9th pct | 2th pct |
structural peer set hash: fb22f26fb6094f3c49ace647989271d5… (reproducible)
Closest structural peers
This is the free public view
Claim KELLOGG COMMUNITY
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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.