Side-by-side · Q2 2026 data
Sturgis Bank & Trust Company vs Kellogg Community Credit Union
Credit union
Kellogg Community Credit Union
Battle Creek, Michigan · $1 billion – $10 billion
Metric by metric
| Measure | Sturgis Bank & Trust Company | Kellogg Community Credit Union |
|---|---|---|
| TellerScore | 56 | 88 (stronger) |
| Capital cushion | 36 | 100 (stronger) |
| Loan quality | 69 | 86 (stronger) |
| Earnings | 61 | 78 (stronger) |
| Funding & liquidity | 53 | 75 (stronger) |
| Problem-loan coverage | 76 | 96 (stronger) |
| Peer percentile | 15th | 96th |
| Total assets | $1.0B | $1.0B |
| Deposits / shares | $893.0M | $846.8M |
| Capital ratio | 8.63% | 16.71% (stronger) |
| Problem loans | 0.92% | 0.41% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.55% |
| Return on assets | 1.03% | 1.44% (stronger) |
| Loans ÷ deposits | 85.1% | 85.1% (stronger) |
| Uninsured deposits | 35.3% | 11.5% (stronger) |
| Offices | 16 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.4% | 1.2% |
Kellogg Community Credit Union has the higher TellerScore (88 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Sturgis Bank & Trust Company leads on 1 and Kellogg Community Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.