Side-by-side · Q2 2026 data
First State Bank of Michigan vs Kellogg Community Credit Union
Credit union
Kellogg Community Credit Union
Battle Creek, Michigan · $1 billion – $10 billion
Metric by metric
| Measure | First State Bank of Michigan | Kellogg Community Credit Union |
|---|---|---|
| TellerScore | 64 | 88 (stronger) |
| Capital cushion | 89 | 100 (stronger) |
| Loan quality | 71 | 86 (stronger) |
| Earnings | 0 | 78 (stronger) |
| Funding & liquidity | 72 | 75 (stronger) |
| Problem-loan coverage | 92 | 96 (stronger) |
| Peer percentile | 24th | 96th |
| Total assets | $87.8M | $1.0B |
| Deposits / shares | $71.6M | $846.8M |
| Capital ratio | 13.89% | 16.71% (stronger) |
| Problem loans | 0.88% | 0.41% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.55% |
| Return on assets | -1.32% | 1.44% (stronger) |
| Loans ÷ deposits | 88.3% | 85.1% (stronger) |
| Uninsured deposits | 9.7% (stronger) | 11.5% |
| Offices | 2 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.2% |
Kellogg Community Credit Union has the higher TellerScore (88 vs 64). On the 7 directional measures above (where higher or lower is clearly better), First State Bank of Michigan leads on 2 and Kellogg Community Credit Union on 5. 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.