Country Heritage Credit Union

Overview / Commentary

www.countryheritagecu.com

269-695-2334

16580 Bakertown Rd
Buchanan, MI 49107-9201

Country Heritage Credit Union is headquartered in Buchanan and is the 150^th largest credit union in the state of Michigan. It is also the 2,505^th largest credit union in the nation. It was established in 1932 and as of March of 2019, it had grown to 8 employees and 1,447 members at 1 location. Country Heritage Credit Union has a B+ health rating.

Field of Membership Restrictions

Country Heritage CU of Michigan is open to the community members and people maintaining employment in a farming-oriented community, employees of the farming/agricultural businesses, farmers, and/or owners of farming units, have a rural address, persons that qualified under the original FOM, CU member affiliated organizations, widows/widowers of deceased members that have not remarried, and the family members of current CU members.
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Health

B+

Data as of Q1 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. Country Heritage Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	62079
Year Chartered	1932
Employees	8
Primary Regulator

Profit Margin
Return on Assets - YTD	1.64%
Return on Equity - YTD	8.99%
Annual Interest Income	$452.00K

Assets and Liabilities
Assets	Q1 2019vs Q1 2018	$42.5MM$39.8MM
Loans	Q1 2019vs Q1 2018	$32.5MM$30.5MM
Deposits	Q1 2019vs Q1 2018	$32.8MM$31.9MM
Equity Capital	Q1 2019vs Q1 2018	$7.8MM$7.2MM
Loan Loss Allowance	Q1 2019vs Q1 2018	$333.00K$608.00K
Unbacked Noncurrent Loans	Q1 2019vs Q1 2018	$296.00K$482.00K
Real Estate Owned	Q1 2019vs Q1 2018	$0$0

Rates

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Savings
CD
IRA

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Country Heritage Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.02%	-	$5k	Holiday Savings
0.15%	$10	-	Share Savings

Country Heritage Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.31%	$1k	$100k	60 Month Certificate
1.31%	$500	$100k	60 Month Youth Certificate
1.21%	$1k	$100k	27 Month Certificate
1.21%	$1k	$100k	48 Month Certificate
1.21%	$500	$100k	27 Month Youth Certificate
1.21%	$500	$100k	48 Month Youth Certificate
1.11%	$1k	$100k	24 Month Certificate
1.11%	$500	$100k	24 Month Youth Certificate
1.01%	$1k	$100k	30 Month Certificate
1.01%	$1k	$100k	36 Month Certificate
1.01%	$500	$100k	30 Month Youth Certificate
1.01%	$500	$100k	36 Month Youth Certificate
1.00%	$1k	$100k	18 Month Certificate
1.00%	$500	$100k	18 Month Youth Certificate
0.91%	$1k	$100k	182 Day Certificate
0.91%	$500	$100k	182 Day Youth Certificate
0.90%	$1k	$100k	12 Month Certificate
0.90%	$500	$100k	12 Month Youth Certificate
0.75%	$1k	$100k	91-181 Day Certificate
0.75%	$500	$100k	91-181 Day Youth Certificate

Country Heritage Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.31%	$200	-	60 Month IRA Certificate
1.21%	$200	-	48 Month IRA Certificate
1.10%	$200	-	24 Month IRA Certificate
1.00%	$200	-	36 Month IRA Certificate
0.91%	$200	-	182 Day IRA Certificate
0.91%	$200	-	12 Month IRA Certificate
0.75%	$200	-	91-181 Day IRA Certificate

Locations

Country Heritage Credit Union Locations
Branch Office	16580 Bakertown Rd	Buchanan, MI 49107-9201

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