Kalamazoo, Michigan · Peer group 5
Kalsee Credit Union
Kalsee Credit Union holds $293.3M in assets across 21,952 members as of Q1 2026 — about $13K of assets per member, on a charter dating to 1954. Charter number 61219, in the $100M-$500M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $293.3M |
|---|---|
| Total loans | $223.3M |
| Total shares (deposits) | $264.2M |
| Net worth | $30.3M |
| Members | 21,952 |
| Assets per member | $13K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 0.8% | |
|---|---|---|
| Loans | 7.4% | around the 74th percentile of its peer group |
| Deposits | 1.8% | around the 36th percentile of its peer group |
| Members | -0.1% | around the 51st percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 84.5% | around the 78th percentile of its peer group |
|---|---|---|
| Net worth ratio | 10.3% | around the 32nd percentile of its peer group |
| Return on assets | 0.69% | around the 50th percentile of its peer group |
| Delinquency ratio | 0.26% | around the 19th percentile of its peer group |
| Cash / assets | 6.5% | around the 21st percentile of its peer group |
| Borrowings / assets | 0.0% | around the 40th percentile of its peer group |
What this page does not show
Everything above is Kalsee Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Michigan — the comparison set a peer ratio is measured against.
- United Bay Community Credit Union
Bay City, MI
$304.4M · 18,870 members
- North Central Area Credit Union
Houghton Lake, MI
$269.4M · 20,236 members
- Preferred Credit Union
Grand Rapids, MI
$317.9M · 23,429 members
- Forest Area Credit Union
Fife Lake, MI
$317.9M · 21,325 members
- Advantage One Credit Union
Brownstown, MI
$266.0M · 17,805 members
- St. Francis X Credit Union
Petoskey, MI
$263.4M · 10,013 members
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