TellerScore

Headquartered in Kalamazoo, Michigan, Kalsee Credit Union is a federally insured state-chartered credit union with $291.5M in total assets and $261.8M in member shares and deposits as of Q2 2026. It operates 7 offices. Its charter dates back to 1954.

Kalsee Credit Union has a TellerScore of 70 out of 100 (strong) based on Q2 2026 data — higher than 51% of its 1,341 credit unions with $100 million – $1 billion. Among 169 credit unions headquartered in Michigan, it ranks 101st. Problem-loan coverage contributes the most (95/100, 2.3%); earnings contributes the least (52/100, 0.80%).

TellerScore · Q2 2026

Scorecard

Capital cushion56/100
Net worth ratio: 10.60%
Loan quality90/100
Loans 60+ days delinquent ÷ total loans: 0.31%
Earnings52/100
Return on assets (annualized): 0.80%
Funding & liquidity72/100
Loans ÷ shares: 87.8% · 6.7% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.32%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 6 points (64 → 70), mostly because the earnings component improved by 23 points.

TellerScore
616670Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202468
Q4 202463
Q1 202561
Q2 202564
Q3 202563
Q4 202565
Q1 202669
Q2 202670
Net worth ratio
7.00%8.80%10.60%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.27%
Q3 202410.46%
Q4 202410.31%
Q1 20259.88%
Q2 202510.05%
Q3 202510.32%
Q4 202510.24%
Q1 202610.32%
Q2 202610.60%
Delinquent loans (60+ days)
0.26%0.50%0.73%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.35%
Q3 20240.33%
Q4 20240.73%
Q1 20250.61%
Q2 20250.40%
Q3 20250.55%
Q4 20250.45%
Q1 20260.26%
Q2 20260.31%
Return on assets
0.21%0.50%0.80%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.42%
Q3 20240.53%
Q4 20240.44%
Q1 20250.21%
Q2 20250.23%
Q3 20250.35%
Q4 20250.46%
Q1 20260.69%
Q2 20260.80%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$291.5M10.60%0.31%0.80%87.8%
Q1 202669$293.3M10.32%0.26%0.69%84.5%
Q4 202565$290.7M10.24%0.45%0.46%86.3%
Q3 202563$282.7M10.32%0.55%0.35%89.6%
Q2 202564$289.5M10.05%0.40%0.23%84.7%
Q1 202561$291.1M9.88%0.61%0.21%80.1%
Q4 202463$277.5M10.31%0.73%0.44%84.6%
Q3 202468$274.1M10.46%0.33%0.53%85.4%
Q2 202467$276.4M10.27%0.35%0.42%81.8%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.60%
37th
Problem loans0.31%
81st
Net charge-offs0.51%
34th
Return on assets0.80%
54th
Loans to deposits87.8%
21st
Uninsured deposits6.7%
43rd
Loan-loss reserves0.00%
50th
Texas ratio2.3%
72nd

Similar-size credit unions in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
United Bay Community Credit UnionCredit union Bay City, MI55 out of 100, Moderate$301.7M7.5%0.60%vs
North Central Area Credit UnionCredit union Houghton Lake, MI72 out of 100, Strong$271.7M11.6%0.95%vs
St. Francis X Federal Credit UnionCredit union Petoskey, MI89 out of 100, Very strong$268.8M13.9%0.11%vs
Advantage One Credit UnionCredit union Brownstown, MI71 out of 100, Strong$268.1M11.8%0.84%vs
Preferred Credit UnionCredit union Grand Rapids, MI87 out of 100, Very strong$318.1M14.3%0.37%vs
Forest Area Federal Credit UnionCredit union Fife Lake, MI71 out of 100, Strong$318.3M12.8%1.92%vs

Deposit insurance

Is my money safe at Kalsee Credit Union?

Yes. Kalsee Credit Union is a federally insured credit union (NCUA charter #61219). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 6.7% of shares and deposits ($17.6M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 10.60%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

7 locations

Branches

Kalsee Credit Union lists 7 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Kalsee Credit Union reported 295 home-loan applications under HMDA (LEI 549300MG52SOKOHXJM80): 260 originated ($24,630,000 total), 14 denied, and 16 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Kalsee Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
61219
RSSD ID
121996
Primary regulator
State + NCUA
Established
1954
Headquarters
PO Box 3006, Kalamazoo, MI 49003
Employees
87

Quick answers

Kalsee Credit Union: common questions

Is Kalsee Credit Union NCUA insured?

Yes. Kalsee Credit Union is a federally insured credit union (NCUA charter #61219). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Kalsee Credit Union's TellerScore?

70 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Kalsee Credit Union have?

7 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Kalamazoo

InstitutionScoreAssetsCapitalProblem loansCompare
Omni Community Credit UnionCredit union Battle Creek, MI90 out of 100, Very strong$662.0M16.3%0.75%vs
Kellogg Community Credit UnionCredit union Battle Creek, MI88 out of 100, Very strong$1.0B16.7%0.41%vs
Preferred Credit UnionCredit union Grand Rapids, MI87 out of 100, Very strong$318.1M14.3%0.37%vs
Grand Trunk Battle Creek Emp Federal Credit UnionCredit union Battle Creek, MI86 out of 100, Very strong$39.7M20.6%0.72%vs
Century Bank and TrustBank Coldwater, MI86 out of 100, Very strong$494.0M14.6%0.66%vs
Kalamazoo County State BankBank Schoolcraft, MI77 out of 100, Strong$118.4M12.1%0.33%vs