Credit union · NCUA insured
Kalsee Credit Union
A $293.3M credit union headquartered in Portage, MI, with 21,952 members and 6 branches in Michigan. Best rates: CDs 4.25% and savings 0.20% APY.
Kalsee Credit Union Carrot Score
75
Carrot Score
Higher than 38% of U.S. banks and credit unions
#14 of 20 in Kalamazoo, MI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Kalsee Credit Union
Formed in 1954 as Lift Line Credit Union, the institution was renamed Kalamazoo South East Employees Credit Union, or KALSEE, in 1977.
Kalsee Credit Union serves Kalamazoo, Portage, Battle Creek, and throughout Southwest Michigan.
- Headquarters
- 5220 Lovers Ln Ste 200, Portage, MI 49002
- NCUA charter
- 61219
Branches
6 branches in Michigan
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Michigan
6 branches
Kalamazoo area · 5
- Gull Road Branch5242 Gull Rd, Kalamazoo, MI 49048Directions
- Milwood Branch3121 Portage St, Kalamazoo, MI 49001Directions
- Stadium / Drake Branch2121 S Drake Rd, Kalamazoo, MI 49006Directions
- Westnedge Branch7225 S Westnedge Ave, Portage, MI 49002Directions
- Vicksburg Branch119 N Main St, Vicksburg, MI 49097Directions
Battle Creek area · 1
- Battle Creek Branch1585 W Dickman Rd, Springfield, MI 49037Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.60% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.31% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.80% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $88 | $76 | — |
- CapitalNet worth ratio10.60%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.31%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.80%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$88Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Kalsee Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.