Kellogg Midwest Federal Credit Union
Total assets
$56.2M
▼ -2.0% YoY
Shares & deposits
$43.4M
▼ -3.3% YoY
Loans
$32.2M
▼ -4.6% YoY
Members
2,506
▼ -6.0% YoY
ROA (annualized)
-0.42%
peers 0.60%
ROE (annualized)
-1.97%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.0% | +1.3% | -3.3 pts |
| Share growth (YoY) | -3.3% | +0.7% | -3.9 pts |
| Loan growth (YoY) | -4.7% | -2.4% | -2.3 pts |
| ROA | -0.42% | 0.60% | -1.0 pts |
| ROE | -2.0% | 4.1% | -6.1 pts |
ROA ranks in the 14th percentile of its peer group · Q1 2026
Profile
- Established
- 1946
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 4
- Address
- 9618 Brentwood Dr, Lavista, NE, 68128
- NCUA charter #
- 5286
- RSSD ID
- 581871
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $56.2M | $43.4M | $32.2M | $12.1M | $-60K | -0.42% | 3.52% | 0.80% | 2,506 |
| Q4 2025 | $54.9M | $42.1M | $32.7M | $12.2M | $90K | 0.16% | 3.69% | 0.99% | 2,533 |
| Q3 2025 | $54.9M | $42.0M | $32.9M | $12.2M | $90K | 0.22% | 3.70% | 1.92% | 2,567 |
| Q2 2025 | $55.7M | $43.1M | $33.1M | $12.2M | $73K | 0.26% | 3.64% | 2.28% | 2,616 |
| Q1 2025 | $57.3M | $44.8M | $33.8M | $12.1M | $38K | 0.26% | 3.51% | 0.10% | 2,665 |
| Q4 2024 | $56.8M | $44.3M | $34.2M | $12.1M | $366K | 0.64% | 3.30% | 0.69% | 2,687 |
| Q3 2024 | $59.1M | $46.7M | $34.5M | $12.0M | $269K | 0.61% | 3.13% | 0.84% | 2,734 |
| Q2 2024 | $60.6M | $48.3M | $35.4M | $11.9M | $162K | 0.53% | 2.97% | 0.82% | 2,773 |
Loan mix (Q1 2026): real estate $24.3M · commercial $0 · consumer $7.3M · securities $14.7M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.42% | 0.60% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | -2.0% | 4.1% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.52% | 3.83% | 37th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 103.5% | 81.5% | 87th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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