Side-by-side · Q2 2026 data
Christian Financial Credit Union vs Kellogg Community Credit Union
Credit union
Christian Financial Credit Union
Sterling Height, Michigan · $1 billion – $10 billion
Credit union
Kellogg Community Credit Union
Battle Creek, Michigan · $1 billion – $10 billion
Metric by metric
| Measure | Christian Financial Credit Union | Kellogg Community Credit Union |
|---|---|---|
| TellerScore | 66 | 88 (stronger) |
| Capital cushion | 49 | 100 (stronger) |
| Loan quality | 85 | 86 (stronger) |
| Earnings | 48 | 78 (stronger) |
| Funding & liquidity | 77 (stronger) | 75 |
| Problem-loan coverage | 93 | 96 (stronger) |
| Peer percentile | 44th | 96th |
| Total assets | $1.1B | $1.0B |
| Deposits / shares | $984.0M | $846.8M |
| Capital ratio | 9.93% | 16.71% (stronger) |
| Problem loans | 0.46% | 0.41% (stronger) |
| Net charge-offs | 0.14% (stronger) | 0.55% |
| Return on assets | 0.70% | 1.44% (stronger) |
| Loans ÷ deposits | 83.0% (stronger) | 85.1% |
| Uninsured deposits | 4.0% (stronger) | 11.5% |
| Offices | 11 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 36.7% | 1.2% |
Kellogg Community Credit Union has the higher TellerScore (88 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Christian Financial 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.