Sep, 30, 2025 — KELLOGG COMMUNITY CREDIT UNION is a federally insured state chartered credit union headquartered in BATTLE CREEK, MI with 14 branch locations and about $925.50 million in total assets. Opened 85 years ago in 1941, KELLOGG COMMUNITY CREDIT UNION has about 50,540 members and employs 159 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | KELLOGG COMMUNITY CREDIT UNION |
|---|---|
| Address: (Main Office) | 41 2nd St BATTLE CREEK, MI 49014-6286 |
| Phone: | (269) 968-9251 |
| Fax: | (269) 966-0648 |
| Website: | https://www.kccu4u.org |
| Branches: | 14 branch locations |
| Members: | 50,540 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 68678 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1941 |
| Last Audited: | Sep 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $925,496,908 |
| CEO/Manager: | Tracy L Miller |
| Chairperson: | Henry Pat Rolfe |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 90,747,304 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 441,011,601 |
| Unsecured Loans | 32,514,232 |
| Other Loans | 234,492,352 |
| TOTAL LOANS | 708,018,185 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -5,095,000 |
| Land And Building | 10,597,149 |
| Other Fixed Assets | 2,534,619 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 6,866,267 |
| All Other Assets | 389,910 |
| TOTAL ASSETS | 925,496,908 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 96 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 10,824,001 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 122,243,246 |
| Regular shares | 146,984,292 |
| All Other Shares & Deposits | 491,507,921 |
| TOTAL SHARES & DEPOSITS | 760,735,457 |
| TOTAL LIABILITIES | 771,559,554 |
| Regular Reserve | 0 |
| Other Reserves | -942,159 |
| Undivided Earnings | 154,879,513 |
| TOTAL EQUITY | 153,937,354 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 925,496,908 |
| INCOME & EXPENSE | |
| Loan Income | 30,670,567 |
| Investment Income | 5,866,678 |
| Other Income | 3,670,458 |
| Total Employee Compensation & Benefits | 10,783,540 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 10,103,090 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 1,639,570 |
| Cost of Funds | 12,831,226 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 9,731,855 |
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