State credit union · BUCHANAN, Michigan · NCUA charter #62079
Country Heritage
Health score 75/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $52.5M
- Total assets
- 1,226
- Members
- 21.8%
- Net-worth ratio
Country Heritage scores 75/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $52.5M; members 1,226; net-worth ratio 21.79%; health rank #3,229 of 4,374; healthier than 24th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,229 of 4,374 health · 2025Q4Country Heritage · health 75/100 · $52.5M · 2025Q4
- ROA 75/100
- ASSETS 21.8%
- MEM 2.27%
- RANK 1.01%
- PHOTO $52.5M
- BOOK 1,226
- CHARTER #3,229/4,374
- NCUSIF INSTEP
- CAMELS 62079
Call Report peers
Country Heritage in the assets neighbourhood
Country Heritage's $52.5M assets sit next to INSTEP ($52.5M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Country Heritage vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
75 24th percentile higher than 24% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Country Heritage - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #62079. See our deposit-insurance coverage note.
Peer-gap read for Country Heritage
- Largest favorable gap: Loan-to-Share Ratio at 91.48% vs peer 62.60% (+28.88 pp).
- Widest shortfall vs peers is Delinquency Rate: +1.30 pp (2.27% vs 0.96%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Country Heritage sits in Michigan
- Health composite ranks #152 of 171 among scored Michigan credit unions.
- Assets rank #133 of 171 inside Michigan ($52.5M reported).
- Membership ranks #164 of 171 among Michigan CUs with a reported count (1,226 members).
In-state ordinals use the live credit_unions table for MI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Country Heritage Call Report trajectory
Country Heritage: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.1% from $52.5M (2025Q4) to $52.0M (2026Q1).
- Net-worth ratio shifted +0.52 pp (21.27% → 21.79%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 21.79%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 75/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 75.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 10.8 pts
- Return on Assets 15.0 pts
- Member Growth 5.1 pts
- Loan-to-Share Ratio 14.1 pts
Country Heritage health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 21.79% | +8.17 pp |
| Delinquency Rate | 2.27% | +1.30 pp |
| Return on Assets | 1.01% | +0.36 pp |
| Member Growth | -2.15% | - |
| Loan-to-Share Ratio | 91.48% | +28.88 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Country Heritage filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $52.0M | - |
| 2025Q4 | $52.5M | 1,226 |
| 2024Q4 | $50.3M | 1,253 |
| 2023Q4 | $51.3M | 1,303 |
Credit Union Details
- Charter Number
- 62079
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Michigan
- City
- BUCHANAN
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Country Heritage.
| Office | City |
|---|---|
| Country Heritage Credit Union (Main Office) | Buchanan, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
More federally-insured credit unions based in Michigan, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for Country Heritage, both outside Michigan so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($52.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (75/100 here).
Using this data
- Country Heritage ranks #3,229 of 4,374 nationally on financial health and #152 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- AEROQUIP is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with AEROQUIP
- Rates and health both vary by institution, not just by state -- see how Michigan credit unions compare overall before assuming this one is typical. Michigan state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Country Heritage financially healthy?
A 21.79% net worth ratio and a 2.27% delinquency rate feed into Country Heritage's financial health score of 75/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,229 of 4,374; by total assets it ranks #2,366 of 4,374 nationally (same basis as /rankings/largest); and #133 of 171 within Michigan. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Country Heritage compare to other credit unions?
PlainCU's health composite puts Country Heritage at 75/100, compared to a peer group average for $50M–$100M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Country Heritage?
Membership eligibility for Country Heritage depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Country Heritage directly for current membership requirements and application steps.
Is my money safe at Country Heritage?
Federal credit unions like Country Heritage are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Country Heritage's net worth ratio of 21.79% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Country Heritage offer compared to banks?
Credit unions like Country Heritage are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Country Heritage directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.