Country Heritage
Buchanan, MI · Charter 62079 · Peer group: credit unions under $1B in assets in MI (n=56)
NCUA · 1 branch
Q2 2026
$51.4MAssets
$38.3MLoans
$39.7MShares
$11.5MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 98% of credit unions under $1B in assets in MI (rank 2 of 56).
- Widest gap: net interest margin trails 95% of credit unions under $1B in assets in MI (rank 53 of 56).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
1.41%
Rank 16 of 56
Net Interest Margin
3.00%
Rank 53 of 56
Efficiency Ratio
53.04%
Rank 2 of 56
Equity / Assets
22.46%
Rank 1 of 56
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.41% | 0.74% | 1.15% | 1.47% | Beats 71% | 16 / 56 | | |
| Return on Equity | 6.26% | 6.40% | 9.29% | 11.51% | Beats 21% | 44 / 56 | | |
| Net Interest Margin | 3.00% | 3.40% | 3.92% | 4.36% | Beats 5% | 53 / 56 | | |
| Efficiency Ratio | 53.04% | 65.99% | 72.16% | 78.25% | Beats 98% | 2 / 56 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.54% | 0.49% | 0.84% | 1.28% | Beats 23% | 44 / 56 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 22.46% | 10.20% | 12.14% | 14.32% | Beats 98% | 1 / 56 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 22.46% | 10.20% | 12.14% | 14.32% | Beats 98% | 1 / 56 | | |
| Liquidity & Funding |
| Loans / Deposits | 96.30% | 52.28% | 65.96% | 76.17% | 98th pctl | 1 / 56 | | |
| Loans / Assets | 74.48% | 45.34% | 56.55% | 67.04% | 86th pctl | 8 / 56 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |