# KELLOGG COMMUNITY
BATTLE CREEK, MI · NCUA charter 4702 · asset band $200-500M · latest filing 2016-03 · stopped filing after 2016-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/kellogg-community-4702

Who the members are: federal charter, community charter, organized 1941, low-income designated. 34,057 members of 953,355 potential (3.6% of the field); checking penetration 67% (share draft accounts per 100 members); loans per 100 members 46.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $476.1M |
| Members | 34,057 (– YoY) |
| Full-time staff | 97 |
| Net worth | $65.0M |
| Net worth ratio | 13.7% (p87 of band) |
| ROA (annualized) | 1.39% (p98 of band) |
| Total delinquency | 0.96% (p78 of band) |
| Net charge-offs (annualized) | 0.20% (p29 of band) |
| Loans / shares | 62% (p26 of band) |
| Cash / assets | 9.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.88% (p46 of band) |
| Operating expense / assets | 2.75% (p19 of band) |
| Vehicles % of loans | 19% (p19 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 26% |
| Third-party paper % of net worth | 19% (p36 of band) |
| Vehicle delinquency | 0.49% (p56 of band) |
| Vehicle NCO | 0.19% (p27 of band) |
| Repossessed % of vehicle book | 0.31% (p92 of band) |
| Real estate % of loans | 70% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 36% |
| Certificates % of member funds | 17% |
| Average share balance | $5,397 |
| Participations bought / yr | $4.0M |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 46% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $16,065 |
| Loans granted, annualized | $60.4M |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-13 [Editorial: Battle Creek, a Rust Belt icon, battles back as American manufacturing jobs decline - Chicago Tribune](https://news.google.com/rss/articles/CBMimwFBVV95cUxPUW04U1YxUXd4aHRZWlRpbS1ObXd4OTBPbWlUZG1PSWRiOERJZkhxQXZBa3poOTZIVE9FZzhUVnhzN2ExLWM0ZWx4dUNCajR5bjAwZ1ExZ0xORFhhc09GVzN3WlpuOF9HMHpDTlB6VmZibzhRZXZjRFotcHBMcW0yS0hUNkUtYnhHV21OYkM0ZWFmcTlLZzMtYnFnSQ?oc=5) · Chicago Tribune
- 2025-11-28 [The lasting impact of Kellogg in "Cereal City." - MLive.com](https://news.google.com/rss/articles/CBMia0FVX3lxTFBKSEN6SFhwSTRZQWVvZjc2Y1FvWHpCdktvVGxKOUhUc2l0RWI1RkJoYWdiWlgzelVMdkpiLVA0TkFEYzNTY2RtdzRyWUJBSDNtU2VQYzE2UkhjckhLcVkxalZVWnhBeTlreFZN?oc=5) · MLive.com
- 2022-02-23 [Kellogg Community Credit Union to open convenient new branch in Downtown Marshall - CUInsight](https://news.google.com/rss/articles/CBMivwFBVV95cUxORmI5Nzd3TVVBSUJDTzBtMlExTVh3NTJGTnVERU1sZU9FRWZPbUp5ZGdXanV3cTBMZFM1YktwdURCN1NQOEQxREtWTFRCVVJvMjRTc0drVFkyV3hCYjVwZ3BUM0cybTBRUEt2dVJ4a1RwYUE2NVZLcWR2LUR4MGRCUmxfcU1IMWJHcEdEeTJlT0FSMWJfOXZWZVZLSzhkNjh2QmVGT2RhVnpCT29KcDZad2ljVVFsLTlva3NJLWRtUQ?oc=5) · CUInsight
- 2021-04-08 [GRCC, Kellogg Community College baseball teams to face off at Lake Michigan Credit Union Ballpark - WZZM13.com](https://news.google.com/rss/articles/CBMihAJBVV95cUxNdFJESDlwTEFpWXdnMHdmMmJUYm12RWJmQnR1cmY3ZDIwbkJWcUM2ZFYxTkpOYkhvMW5iV1Q5VlZoZXowRGoza0dqZ1ExUUhyc3A2MG5BVFJuR1VFdVRhZkZxZmdVa0JqQS1hRDM2QXpkN0hQRWdFdFhBdmdwTTZWTWdFbmpObzE4YU4yQmRUUUFiekEzZUZEdzhBbC1zZ0VYbjhlTnlyLVphbWtLZDlCdTVpMk9QYVZDUVY1V1JjdURabmFtRHVpNS02V3J0QWtpT3VMYVYyaHhQOUdfdDF3Tk92a244VURPSV9BN0puRlZYcThxbHRSMHdOc3puVlIxY0YwUw?oc=5) · WZZM13.com
- 2023-10-11 [United Federal Credit Union to open downtown Battle Creek branch in 2024 - Battle Creek Enquirer](https://news.google.com/rss/articles/CBMi1wFBVV95cUxPckd4dHJrOUdmcmxrWGxQR3lGTVBZTklaQjQ3aUJUWEFxRVhJNDN6U2dRQThLN2ZxSmxycmZzXzlmcWllRnRyV0RzQ3owbTBGRkNMSXIzVnBJeTBIUDhxN05QME1JcjVMUVctQkI4dGk4ZEsyaTlaV040bDRHTHRaOXpJdnBudGRwWk1ZTFdWM1gtYzNJUXNoN09abVBlZ0MxR1V3RHFzUEhFc0lGVkE3MFc1cWlmNlNrZlRHSjNEWFRPZHlkLXMwQkR1dHZ6dDNLVXN2SU0yUQ?oc=5) · Battle Creek Enquirer
- 2025-01-30 [Choose Marshall Chamber Members and Community Members Celebrate at the 2024 Annual Chamber Dinner & Awards - Choose Marshall](https://news.google.com/rss/articles/CBMi0wFBVV95cUxNY0lEMkRIeU5XV09Ock5XQlNWd1hPMjEwbEpEQlRXUDB0RVl5MGtzSXhMTy1sV1hBc2VEZWplZnBEc0MzSWRzek1OMjVPWllaOVdaWWFXRVY3ZHZzV21JTDQyYzFFNG94WHRvOTJKcmNRd0ZUcEJXZVRqTWR2VjNCUnpYaUc3ZWxQbkhXUnVIVjJLMEhtQ2J5MFpNU25MSlVYN1ZpNG5uSEVRZHlWX2VXdFppUVNZYWhrNmphdnFlWEg5R2I4WE0tUVl3VV9ITS1LcHBn?oc=5) · Choose Marshall
- 2023-09-24 [Share the warmth: Salvation Army to kick off annual coat drive in West Michigan - wwmt.com](https://news.google.com/rss/articles/CBMiywFBVV95cUxNV3BjTVNRclZNNXpkc3M4UHYySDV1SzU1OGI4WG1DakZ2MjZDb2d3MUJpalEwTjFfVGFGcUVUUjJjdHQzLTR0TUtHT2ZLWGp2WVVxeWg0cHJadWdkbmRDNU4xOWY4aFc0MnJjSTBpamdSVHd0U3FlcVZuOWI2UmxpLVFlNUVMM3oxTTF6cjFRTTQxeW1CTEJ4MlpqWXNJQjZUcVRpZVJwbGg5V2JtaHJuSTYxQ0ZxX1VyNldXTTJYNFctNER5TkszQy1FOA?oc=5) · wwmt.com
- 2022-03-14 [Jeffrey Bolser joins Advia Credit Union as vice president of consumer lending - CUInsight](https://news.google.com/rss/articles/CBMiugFBVV95cUxOYS10OHI4aDVmU2RNQWRveDNKc0NKRGQyQWdzV0NMZ3YyYmdhRG5iNkVVaVJuZXFneUhqQWtWS0hXTDJXTnphaWRObUFLUEtFX1dsamJmS3lBWGxwUEZfTjNGb3Y4bnBuQlNlWHk1eGRLRlkwQ0ZwbkMyOXU1RkNoX2p1NzJsZVAxVGxTQVNObGdTcGFSZjN2VWZwNEZla0xTWkRsX3ozUElHS0laWXZqLS13VU5DYWJQaWc?oc=5) · CUInsight

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=4702 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/30.json (key "4702", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=4702
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide