Side-by-side · Q2 2026 data
Thornapple Credit Union vs Kellogg Community Credit Union
Credit union
Kellogg Community Credit Union
Battle Creek, Michigan · $1 billion – $10 billion
Metric by metric
| Measure | Thornapple Credit Union | Kellogg Community Credit Union |
|---|---|---|
| TellerScore | 68 | 88 (stronger) |
| Capital cushion | 48 | 100 (stronger) |
| Loan quality | 80 | 86 (stronger) |
| Earnings | 66 | 78 (stronger) |
| Funding & liquidity | 74 | 75 (stronger) |
| Problem-loan coverage | 90 | 96 (stronger) |
| Peer percentile | 36th | 96th |
| Total assets | $79.2M | $1.0B |
| Deposits / shares | $70.5M | $846.8M |
| Capital ratio | 9.81% | 16.71% (stronger) |
| Problem loans | 0.59% | 0.41% (stronger) |
| Net charge-offs | 0.21% (stronger) | 0.55% |
| Return on assets | 1.14% | 1.44% (stronger) |
| Loans ÷ deposits | 86.4% | 85.1% (stronger) |
| Uninsured deposits | 3.9% (stronger) | 11.5% |
| Offices | 3 | 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 68). On the 7 directional measures above (where higher or lower is clearly better), Thornapple 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.