Copoco Community Credit Union

Overview / Commentary
4265 Wilder Rd
Bay City, MI 48706

Copoco Community Credit Union is headquartered in Bay City and is the 106th largest credit union in the state of Michigan. It is also the 1,672nd largest credit union in the nation. It was established in 1951 and as of December of 2019, it had grown to 33 employees and 11,383 members at 3 locations. Copoco Community Credit Union has a B+ health rating.

Field of Membership Restrictions

COPOCO Community Credit Union is open to individuals who live, work, worship, or attend school in the Michigan counties of Arenac, Bay, Gladwin, Isabella, Midland, or Saginaw. Immediate family members of those eligible to join also qualify for membership.
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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. Copoco Community Credit Union has a relatively low asset base.

Health Grade Components

NCUA #60470
Year Chartered1951
Primary Regulator
Profit Margin
Return on Assets - YTD0.42%
Return on Equity - YTD5%
Annual Interest Income$3.8MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$96.0MM$96.8MM
LoansQ4 2019vs Q4 2018$57.8MM$61.0MM
DepositsQ4 2019vs Q4 2018$85.6MM$87.0MM
Equity CapitalQ4 2019vs Q4 2018$8.2MM$7.0MM
Loan Loss AllowanceQ4 2019vs Q4 2018$534.00K$841.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$419.00K$339.00K
Real Estate OwnedQ4 2019vs Q4 2018$0$408.00K
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Copoco Community Credit Union Savings Account Rates

0.25%--Open Share IRA
0.10%$10k-Premier Business Account
0.01%$5-Primary Share
0.01%--Christmas Club
0.01%--Sub Share

Copoco Community Credit Union CD Rates

1.00%$500-5 Year Certificate
0.85%$5k-48 Month Bump-up Certificate
0.75%$1k-36 Month Certificate
0.60%$500-30 Month Certificate
0.55%$5k-24 Month Certificate
0.45%$500-18 Month Certificate
0.35%$500-1 Year Certificate
0.35%$50-1 Year Youth Certificate
0.20%$2.5k-9 Month Certificate
0.18%$2.5k-7 Month Certificate
0.15%$2.5k-6 Month Money Market Certificate
0.15%$300-6 Month Youth Certificate
0.10%$1k-3 Month Certificate

Copoco Community Credit Union IRA Rates

1.00%$1k-5 Year IRA Certificate
1.00%$1k-5 Year Roth IRA Certificate
0.65%$1k-2 Year IRA Certificate
0.65%$1k-2 Year Roth IRA Certificate
0.60%$1k-1 Year IRA Certificate
0.60%$1k-1 Year Roth IRA Certificate

Copoco Community Credit Union Locations
Branch Office4265 Wilder RdBay City, MI 48706
Branch Office3262 Cabaret Trl SSaginaw, MI 48603
Branch Office1479 Straits DrBay CIty, MI 48706

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