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Baraga County Federal Credit Union

Popular Accounts at this Credit Union

1.26%5-year CD60 Month Share Certificate
0.55%1-year CD12 Month Share Certificate
0.15%SavingsRegular Shares

Overview / Commentary
101 E Broad St
Lanse, MI 49946-1013

Baraga County Federal Credit Union is headquartered in Lanse and is the 160th largest credit union in the state of Michigan. It is also the 2,684th largest credit union in the nation. It was established in 1952 and as of March of 2017, it had grown to 9 employees and 5,149 members at 1 location. Baraga County Federal Credit Union has a B health rating.

Field of Membership Restrictions

Membership is open to those working or living in Baraga County in Michigan.
See current membership details


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Baraga County Federal Credit Union has a low asset base.

Health Grade Components

NCUA #7672
Year Chartered1952
Primary Regulator
Profit Margin
Return on Assets - YTD0.4%
Return on Equity - YTD5.28%
Annual Interest Income$232.00K
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$37.0MM$35.1MM
LoansQ1 2017vs Q1 2016$10.7MM$11.2MM
DepositsQ1 2017vs Q1 2016$33.7MM$31.8MM
Equity CapitalQ1 2017vs Q1 2016$2.8MM$3.0MM
Loan Loss AllowanceQ1 2017vs Q1 2016$97.00K$84.00K
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$68.00K$18.00K
Real Estate OwnedQ1 2017vs Q1 2016$0$82.00K
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Baraga County Federal Credit Union Savings Account Rates

0.50%--Variable Rate IRA Shares
0.25%$2,500-40 Shares
0.15%$100-Regular Shares
0.15%--Life Savings

Baraga County Federal Credit Union CD Rates

1.26%$1k-48 Month Share Certificate
1.26%$1k-60 Month Share Certificate
1.26%$500-48 Month Youth Share Certificate
1.26%$500-60 Month Youth Share Certificate
1.16%$1k-36 Month Share Certificate
1.16%$500-36 Month Youth Share Certificate
0.85%$1k-24 Month Share Certificate
0.85%$500-24 Month Youth Share Certificate
0.55%$1k-12 Month Share Certificate
0.55%$500-12 Month Youth Share Certificate

Baraga County Federal Credit Union IRA Rates

1.16%--36 Month IRA

Baraga County Federal Credit Union Locations
Branch Office101 E Broad StLanse, MI 49946-1013