Side-by-side · Q2 2026 data
Lake Michigan Credit Union vs Kellogg Community Credit Union
Credit union
Kellogg Community Credit Union
Battle Creek, Michigan · $1 billion – $10 billion
Metric by metric
| Measure | Lake Michigan Credit Union | Kellogg Community Credit Union |
|---|---|---|
| TellerScore | 73 | 88 (stronger) |
| Capital cushion | 63 | 100 (stronger) |
| Loan quality | 88 (stronger) | 86 |
| Earnings | 67 | 78 (stronger) |
| Funding & liquidity | 63 | 75 (stronger) |
| Problem-loan coverage | 95 | 96 (stronger) |
| Peer percentile | 71st | 96th |
| Total assets | $17.3B | $1.0B |
| Deposits / shares | $14.7B | $846.8M |
| Capital ratio | 11.27% | 16.71% (stronger) |
| Problem loans | 0.35% (stronger) | 0.41% |
| Net charge-offs | 0.16% (stronger) | 0.55% |
| Return on assets | 1.18% | 1.44% (stronger) |
| Loans ÷ deposits | 92.8% | 85.1% (stronger) |
| Uninsured deposits | 18.5% | 11.5% (stronger) |
| Offices | 38 | 10 |
| CFPB complaints (3 yrs) | 156 | — |
| Complaints per $1B deposits | 10.6 | — |
| Mortgage denial rate (HMDA) | 7.3% | 1.2% |
Kellogg Community Credit Union has the higher TellerScore (88 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Lake Michigan Credit Union 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.
Where both have branches
- Kalamazoo, MI
- Schoolcraft, MI