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.
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NCUA 5300 Call Report Masthead
#3,229 of 4,374 health · 2025Q4Country Heritage · health 75/100 · $52.5M · 2025Q4
Call Report peers
Country Heritage in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Country Heritage sits in 75-79 with 502 others.
75 24th percentile higher than 24% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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).
- One place up in Michigan, Community Financial (#151) scores 76/100, 1 point higher; one place down, Frankfort Community (#153) ties at 75/100.
Country Heritage Call Report trajectory
Country Heritage: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.1% from $52.5M (2025Q4) to $52.0M (2026Q1).
- Net-worth ratio shifted +0.52 pp (21.27% → 21.79%).
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
Country Heritage gives up 25 points in total. Delinquency Rate costs the most, 14.2 of its 25; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Country Heritage financially healthy?
Country Heritage has a financial health score of 75/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,229 of 4,374 nationally on health and #152 of 171 in Michigan. Its net worth ratio is 21.79% and its delinquency rate 2.27%.
How does Country Heritage compare to other credit unions?
Country Heritage scores 75/100, higher than 24% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (91.48% vs 62.60%). Its widest shortfall is delinquency rate (2.27% vs 0.96%).
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?
Country Heritage is a state-chartered credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.