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KELLOGG COMMUNITY

Battle Creek, MI · State Credit Union · Chartered in MI

LICUWell Capitalized

Who can join

State government employees (special charter)

Charter #68678Est. 1941RSSD: 667579

Members

50,750

Net Worth Ratio

16.53%

min. 7% = Well Capitalized

Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.

At a Glance

Total Assets

$1.01B

Peer Group 6

Members

50,750

as of latest quarter

Net Worth Ratio

16.53%

Well Capitalized

Institution Profile

NCUA

Address

Po Box 140, Battle Creek, MI 49016

Chartered

1941

Branch Locations

14 locations

Membership Eligibility

State government employees (special charter)

Financial Snapshot

As of Q1 2026NCUA 5300 Call Report

Total Assets

$1.01B

Total Shares

$837.1M

Total Loans

$712.5M

Net Income

$3.5M

Net Worth Ratio

16.53%

≥7% = Well Capitalized

Members

50,750

Return on Assets

0.34%

annualized · >0.5% healthy

Delinquency Rate (60d+)

0.34%

$2.5M

Loan-to-share ratio: 85.1%· healthy range 60–80%

Branch Locations

NCUA

2nd Street

41 2nd St, Battle Creek, MI, 49014-6286

9:00 - 5:00

MainATMDrive-thru

Dickman

2925 W Dickman Rd, Springfield, MI, 49037-7939

9:00-5:00

ATMDrive-thru

Pennfield

1425 Capital Ave NE, Battle Creek, MI, 49017

9:00 - 5:00

ATMDrive-thru

Portage

499 Romence Rd, Portage, MI, 49024

9:00 - 5:00

ATMDrive-thru

B Drive

6427 B Dr N, Battle Creek, MI, 49014-7573

M, T, W, Th, F: 9:00am - 5:30pm Sat: 9:00am - 1:00pm

ATMDrive-thru

Downtown Branch

51 Michigan Ave W, Battle Creek, MI, 49017-3641

9:00 to 5:00

ATM

Gull Rd Branch

5067 Gull Rd, Kalamazoo, MI, 49048

9:00 to 5:00

ATMDrive-thru

Three Rivers Branch

915 W Michigan Ave, Three Rivers, MI, 49093

9:00 to 5:00

ATMDrive-thru

NorthPointe Woods

700 North Ave, Battle Creek, MI, 49017-3251

Wednesday 9:00 - Noon

Drake Road

1650 S Drake Rd, Kalamazoo, MI, 49006

Mon, Tue, Thur and Fri 9:00 - 5:30Wed 9:30 - 5:30Sat 9:00 - 12:00 noon

ATMDrive-thru

4 more locations not shown.

Mortgage Lending (HMDA)

CFPB HMDA

Credit unions that originate mortgages report Home Mortgage Disclosure Act (HMDA) data to the CFPB. This data covers application volumes, approvals, denials, and borrower demographics.

Consumer Complaints

CFPB / NCUA

No CFPB complaint data available for this credit union.

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Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.