TellerScore

Kellogg Midwest Federal Credit Union is a federal credit union headquartered in LaVista, Nebraska, in business for about 80 years. At the end of Q2 2026 it reported $56.4M in total assets and $43.7M in member shares and deposits, with 1 office.

Kellogg Midwest Federal Credit Union has a TellerScore of 70 out of 100 (strong) based on Q2 2026 data — higher than only 40% of its 2,479 credit unions with under $100 million in assets. Among 50 credit unions headquartered in Nebraska, it ranks 26th. Capital cushion contributes the most (100/100, 21.48%); earnings contributes the least (12/100, -0.21%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 21.48%
Loan quality59/100
Loans 60+ days delinquent ÷ total loans: 1.23%
Earnings12/100
Return on assets (annualized): -0.21%
Funding & liquidity89/100
Loans ÷ shares: 70.9% · 6.2% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.14%

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 7 points (63 → 70), mostly because the loan quality component improved by 35 points.

TellerScore
637383Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202479
Q3 202479
Q4 202481
Q1 202583
Q2 202563
Q3 202566
Q4 202574
Q1 202671
Q2 202670
Net worth ratio
7.00%14.60%22.19%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202419.63%
Q3 202420.31%
Q4 202421.29%
Q1 202521.15%
Q2 202521.84%
Q3 202522.19%
Q4 202522.17%
Q1 202621.57%
Q2 202621.48%
Delinquent loans (60+ days)
0.10%1.19%2.28%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.82%
Q3 20240.84%
Q4 20240.69%
Q1 20250.10%
Q2 20252.28%
Q3 20251.92%
Q4 20250.99%
Q1 20260.80%
Q2 20261.23%
Return on assets
-0.42%0.11%0.64%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.53%
Q3 20240.61%
Q4 20240.64%
Q1 20250.26%
Q2 20250.26%
Q3 20250.22%
Q4 20250.16%
Q1 2026-0.42%
Q2 2026-0.21%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$56.4M21.48%1.23%-0.21%70.9%
Q1 202671$56.2M21.57%0.80%-0.42%74.3%
Q4 202574$54.9M22.17%0.99%0.16%77.8%
Q3 202566$54.9M22.19%1.92%0.22%78.2%
Q2 202563$55.7M21.84%2.28%0.26%76.7%
Q1 202583$57.3M21.15%0.10%0.26%75.4%
Q4 202481$56.8M21.29%0.69%0.64%77.1%
Q3 202479$59.1M20.31%0.84%0.61%74.0%
Q2 202479$60.6M19.63%0.82%0.53%73.2%

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 ratio21.48%
82nd
Problem loans1.23%
33rd
Net charge-offs0.24%
43rd
Return on assets-0.21%
15th
Loans to deposits70.9%
32nd
Uninsured deposits6.2%
16th
Loan-loss reserves0.00%
37th
Texas ratio3.1%
42nd

Similar-size credit unions in Nebraska

InstitutionScoreAssetsCapitalProblem loansCompare
Spirit of America Federal Credit UnionCredit union Lincoln, NE89 out of 100, Very strong$53.2M12.9%0.01%vs
Consumers CooperativeCredit union Alliance, NE81 out of 100, Strong$52.2M20.6%1.41%vs
Hastings Federal Credit UnionCredit union Hastings, NE93 out of 100, Very strong$52.0M20.8%0.36%vs
Family Focus Federal Credit UnionCredit union Omaha, NE50 out of 100, Below average$44.0M13.2%3.37%vs
North Platte Union Pacific Employee Credit UnionCredit union North Platte, NE86 out of 100, Very strong$43.4M16.5%0.75%vs
Omaha Douglas Federal Credit UnionCredit union Omaha, NE70 out of 100, Strong$42.9M13.2%1.89%vs

Deposit insurance

Is my money safe at Kellogg Midwest Federal Credit Union?

Yes. Kellogg Midwest Federal Credit Union is a federally insured credit union (NCUA charter #5286). 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 6.2% of shares and deposits ($2.7M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 21.48%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Kellogg Midwest Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Kellogg Midwest Federal Credit Union reported 44 home-loan applications under HMDA (LEI 549300VHITS0GXJRXV39): 27 originated ($3,125,000 total), 14 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 34.1%, 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
Kellogg Midwest Federal Credit Union
Type
Federal credit union
NCUA charter #
5286
RSSD ID
581871
Primary regulator
NCUA
Established
1946
Headquarters
9618 Brentwood Dr, LaVista, NE 68128
Employees
8

Quick answers

Kellogg Midwest Federal Credit Union: common questions

Is Kellogg Midwest Federal Credit Union NCUA insured?

Yes. Kellogg Midwest Federal Credit Union is a federally insured credit union (NCUA charter #5286). 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 Midwest Federal 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 Kellogg Midwest Federal Credit Union have?

1 office as of the latest NCUA data.