Calcite Credit Union

Overview / Commentary

www.calcitecu.com

989-734-4130

478 N Third St
Rogers City, MI 49779-1369

Calcite Credit Union is headquartered in Rogers City and is the 115^th largest credit union in the state of Michigan. It is also the 1,861^st largest credit union in the nation. It was established in 1961 and as of December of 2018, it had grown to 20 employees and 8,684 members at 3 locations. Calcite Credit Union has an A health rating.

Field of Membership Restrictions

Calcite CU is open to anyone that resides or works in the following Michigan Counties; Alpena, Cheboygan, or Presque Isle. Membership also extends to include direct family members, widows/widowers that are not remarried, CU employees, and organizations under specified guidelines.
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Health

Data as of Q4 2018

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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	1.14%
Return on Equity - YTD	9.47%
Annual Interest Income	$2.7MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$77.3MM$73.3MM
Loans	Q4 2018vs Q4 2017	$41.0MM$37.9MM
Deposits	Q4 2018vs Q4 2017	$66.3MM$63.3MM
Equity Capital	Q4 2018vs Q4 2017	$9.3MM$8.6MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$136.00K$137.00K
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$133.00K$142.00K
Real Estate Owned	Q4 2018vs Q4 2017	$0$0

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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