Side-by-side · Q2 2026 data
4front Credit Union vs Kellogg Community Credit Union
Credit union
Kellogg Community Credit Union
Battle Creek, Michigan · $1 billion – $10 billion
Metric by metric
| Measure | 4front Credit Union | Kellogg Community Credit Union |
|---|---|---|
| TellerScore | 54 | 88 (stronger) |
| Capital cushion | 52 | 100 (stronger) |
| Loan quality | 42 | 86 (stronger) |
| Earnings | 44 | 78 (stronger) |
| Funding & liquidity | 79 (stronger) | 75 |
| Problem-loan coverage | 75 | 96 (stronger) |
| Peer percentile | 11th | 96th |
| Total assets | $1.0B | $1.0B |
| Deposits / shares | $929.6M | $846.8M |
| Capital ratio | 10.15% | 16.71% (stronger) |
| Problem loans | 1.73% | 0.41% (stronger) |
| Net charge-offs | 0.43% (stronger) | 0.55% |
| Return on assets | 0.61% | 1.44% (stronger) |
| Loans ÷ deposits | 80.8% (stronger) | 85.1% |
| Uninsured deposits | 4.3% (stronger) | 11.5% |
| Offices | 12 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.0% | 1.2% |
Kellogg Community Credit Union has the higher TellerScore (88 vs 54). On the 7 directional measures above (where higher or lower is clearly better), 4front Credit Union leads on 3 and Kellogg Community Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.