Calcite Credit Union

Overview / Commentary

989-340-6965

478 N Third St
Rogers City, MI 49779

Calcite Credit Union is headquartered in Rogers City and is the 114^th largest credit union in the state of Michigan. It is also the 1,838^th largest credit union in the nation. It was established in 1961 and as of June of 2019, it had grown to 20 employees and 8,798 members at 3 locations. Calcite Credit Union has an A health rating.

Field of Membership Restrictions

Calcite Credit Union is open to those who live, work, worship, or go to school in Alpena, Emmet, Presque Isle, or Cheboygan. Membership is also open to immediate families and employees of the credit union.
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Health

Data as of Q2 2019

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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. Calcite Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #	62333
Year Chartered	1961
Employees	20
Primary Regulator

Profit Margin
Return on Assets - YTD	1.21%
Return on Equity - YTD	9.33%
Annual Interest Income	$1.4MM

Assets and Liabilities
Assets	Q2 2019vs Q2 2018	$80.6MM$77.0MM
Loans	Q2 2019vs Q2 2018	$42.0MM$39.6MM
Deposits	Q2 2019vs Q2 2018	$68.8MM$66.7MM
Equity Capital	Q2 2019vs Q2 2018	$10.3MM$8.8MM
Loan Loss Allowance	Q2 2019vs Q2 2018	$154.00K$174.00K
Unbacked Noncurrent Loans	Q2 2019vs Q2 2018	$90.00K$252.00K
Real Estate Owned	Q2 2019vs Q2 2018	$0$17.00K

Rates

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Savings
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Calcite Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.26%	-	-	IRA Share Account
1.26%	-	-	Roth IRA Share Account
1.26%	-	-	Education IRA
0.40%^*	$15k^*	-	Special Account
OTHER TIERS: 0.15% → $5 - $15k
0.15%	$5	-	Regular Shares
0.15%	$5	-	Side Share Account
0.15%	$5	-	Christmas Club

Calcite Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.26%	$1k	-	3 Year CD
0.90%	$1k	-	2 Year CD
0.60%	$1k	-	1 Year CD
0.40%	$1k	-	6 Month CD

Calcite Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.51%	$1k	-	3 Year IRA CD
1.36%	$1k	-	2 Year IRA CD
1.26%	$1k	-	1 Year IRA CD

Locations

Calcite Credit Union Locations
Branch Office	478 N Third St	Rogers City, MI 49779-1369
Branch Office	10514 Michigan Ave	Posen, MI 49776-9125
Branch Office	1005 S Main St	Cheboygan, MI 49721-2258

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