TellerScore

Kellogg Memphis Employees Federal Credit Union (NCUA charter #13634) is based in Memphis, Tennessee. Its Q2 2026 call report shows $3.1M in total assets and $2.2M in member shares and deposits and 2 offices.

Kellogg Memphis Employees Federal Credit Union has a TellerScore of 48 out of 100 (below average) based on Q2 2026 data — higher than only 7% of its 2,479 credit unions with under $100 million in assets. Among 125 credit unions headquartered in Tennessee, it ranks 116th. Capital cushion contributes the most (100/100, 29.13%); earnings contributes the least (0/100, -2.63%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 29.13%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 3.55%
Earnings0/100
Return on assets (annualized): -2.63%
Funding & liquidity66/100
Loans ÷ shares: 94.4% · 0.0% uninsured
Problem-loan coverage85/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 7.67%

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 fell 4 points (52 → 48), mostly because the loan quality component weakened by 9 points.

TellerScore
465054Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202452
Q3 202448
Q4 202446
Q1 202547
Q2 202552
Q3 202550
Q4 202547
Q1 202654
Q2 202648
Net worth ratio
7.00%18.79%30.57%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202426.56%
Q3 202427.92%
Q4 202428.39%
Q1 202527.46%
Q2 202525.58%
Q3 202526.60%
Q4 202530.57%
Q1 202629.67%
Q2 202629.13%
Delinquent loans (60+ days)
2.27%4.22%6.17%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20246.04%
Q3 20246.04%
Q4 20246.17%
Q1 20255.13%
Q2 20252.72%
Q3 20252.90%
Q4 20253.64%
Q1 20262.27%
Q2 20263.55%
Return on assets
-3.56%-1.83%-0.09%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.09%
Q3 2024-0.25%
Q4 2024-1.44%
Q1 2025-1.37%
Q2 2025-3.25%
Q3 2025-2.84%
Q4 2025-3.36%
Q1 2026-3.56%
Q2 2026-2.63%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202648$3.1M29.13%3.55%-2.63%94.4%
Q1 202654$3.1M29.67%2.27%-3.56%98.0%
Q4 202547$3.1M30.57%3.64%-3.36%105.3%
Q3 202550$3.6M26.60%2.90%-2.84%91.1%
Q2 202552$3.9M25.58%2.72%-3.25%88.9%
Q1 202547$3.9M27.46%5.13%-1.37%93.8%
Q4 202446$3.8M28.39%6.17%-1.44%100.7%
Q3 202448$4.1M27.92%6.04%-0.25%97.7%
Q2 202452$4.3M26.56%6.04%-0.09%84.2%

2,479 peers · Under $100 million in assets

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 ratio29.13%
93rd
Problem loans3.55%
10th
Net charge-offs-0.34%
97th
Return on assets-2.63%
3rd
Loans to deposits94.4%
6th
Uninsured deposits0.0%
81st
Loan-loss reserves2.47%
92nd
Texas ratio7.7%
19th

Similar-size credit unions in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
TVA Mid-South Federal Credit UnionCredit union Memphis, TN85 out of 100, Very strong$3.2M17.4%0.00%vs
Smart Choice Credit UnionCredit union Cleveland, TN54 out of 100, Below average$3.4M9.4%1.03%vs
B. M. H. Federal Credit UnionCredit union Cleveland, TN79 out of 100, Strong$3.7M21.2%0.94%vs
Metropolitan Teachers Credit UnionCredit union Nashville, TN48 out of 100, Below average$2.5M13.4%6.02%vs
Bulab Employees Federal Credit UnionCredit union Memphis, TN72 out of 100, Strong$2.2M35.0%1.68%vs
P.I.A.S. Credit UnionCredit union Brentwood, TN87 out of 100, Very strong$4.2M17.4%0.00%vs

Deposit insurance

Is my money safe at Kellogg Memphis Employees Federal Credit Union?

Yes. Kellogg Memphis Employees Federal Credit Union is a federally insured credit union (NCUA charter #13634). 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 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 29.13%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Kellogg Memphis Employees Federal Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Kellogg Memphis Employees Federal Credit Union
Type
Federal credit union
NCUA charter #
13634
RSSD ID
50087
Primary regulator
NCUA
Established
1960
Headquarters
2168 Frisco Ave, Memphis, TN 38114
Employees
2

Quick answers

Kellogg Memphis Employees Federal Credit Union: common questions

Is Kellogg Memphis Employees Federal Credit Union NCUA insured?

Yes. Kellogg Memphis Employees Federal Credit Union is a federally insured credit union (NCUA charter #13634). 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 Kellogg Memphis Employees Federal Credit Union's TellerScore?

48 out of 100 (Below average), 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 Kellogg Memphis Employees Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

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