Side-by-side · Q2 2026 data
Chiphone Federal Credit Union vs Kellogg Community Credit Union
Credit union
Kellogg Community Credit Union
Battle Creek, Michigan · $1 billion – $10 billion
Metric by metric
| Measure | Chiphone Federal Credit Union | Kellogg Community Credit Union |
|---|---|---|
| TellerScore | 87 | 88 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 87 (stronger) | 86 |
| Earnings | 50 | 78 (stronger) |
| Funding & liquidity | 100 (stronger) | 75 |
| Problem-loan coverage | 98 (stronger) | 96 |
| Peer percentile | 91st | 96th |
| Total assets | $111.8M | $1.0B |
| Deposits / shares | $93.0M | $846.8M |
| Capital ratio | 16.43% | 16.71% (stronger) |
| Problem loans | 0.38% (stronger) | 0.41% |
| Net charge-offs | 1.85% | 0.55% (stronger) |
| Return on assets | 0.75% | 1.44% (stronger) |
| Loans ÷ deposits | 43.3% (stronger) | 85.1% |
| Uninsured deposits | 3.8% (stronger) | 11.5% |
| Offices | 5 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.7% | 1.2% |
Kellogg Community Credit Union has the higher TellerScore (88 vs 87). On the 7 directional measures above (where higher or lower is clearly better), Chiphone Federal Credit Union leads on 3 and Kellogg Community Credit Union on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.