# KELLOGG COMMUNITY
BATTLE CREEK, MI · NCUA charter 68678 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/kellogg-community-68678

Who the members are: state charter, organized 1941, low-income designated. 50,750 members of 2,320,712 potential (2.2% of the field); checking penetration 60% (share draft accounts per 100 members); loans per 100 members 66.

**Verdict on the desk:** this could be *fortress*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.01B |
| Members | 50,750 (1.8% YoY) |
| Full-time staff | 151 |
| Net worth | $166.7M |
| Net worth ratio | 16.5% (p96 of band) |
| ROA (annualized) | 1.37% (p89 of band) |
| Total delinquency | 0.51% (p39 of band) |
| Net charge-offs (annualized) | 0.46% (p44 of band) |
| Loans / shares | 85% (p46 of band) |
| Cash / assets | 15.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.42% (p57 of band) |
| Operating expense / assets | 2.66% (p22 of band) |
| Vehicles % of loans | 27% (p51 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 73% |
| Third-party paper % of net worth | 92% (p38 of band) |
| Vehicle delinquency | 1.07% (p81 of band) |
| Vehicle NCO | 1.21% (p62 of band) |
| Repossessed % of vehicle book | 0.12% (p66 of band) |
| Real estate % of loans | 50% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 64% |
| Core shares % of member funds | 36% |
| Certificates % of member funds | 31% |
| Average share balance | $7,364 |
| Participations bought / yr | $285,080 |
| Participations sold / yr | $0 |
| Participations outstanding | $19.0M |
| Loans outstanding per 100 members | 66% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $21,226 |
| Loans granted, annualized | $155.6M |

## Participation posture (from the same filings)

Bought $285,080 and sold $0 in the latest annualized quarter; $19.0M outstanding purchased (11.4% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 7.7% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | delinquency rising |  |
| 2018-03 | 1 | net worth falling | delinquency rising |
| 2018-06 | 0 |  | net worth falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | net worth falling |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | delinquency rising |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 0 |  | net worth falling, delinquency rising |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | net worth falling |  |
| 2021-06 | 1 | delinquency 2x band | net worth falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 2 | delinquency rising |  |
| 2022-12 | 2 | 3rd-party paper>100% NW | delinquency rising |
| 2023-03 | 1 |  | 3rd-party paper>100% NW |
| 2023-06 | 1 | 3rd-party paper>100% NW | delinquency 2x band |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 0 |  | 3rd-party paper>100% NW |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | net worth falling |  |

## 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=68678 (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/6.json (key "68678", 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=68678
- 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