COUNTRY HERITAGE
Charter #62079 | MI
<100M
(2596 CUs)
Micro
($0-$500M)
61 <100M in MI
COUNTRY HERITAGE has 5 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.19% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 0.1% in tier
- + Average Member Relationship (AMR): Top 0.2% in tier
- + AMR Growth Rate: Top 8.8% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.21% above tier average
- - Member decline: -4.7% YoY
- - Share Certificate Concentration (%): Bottom 1.4% in tier
- - First Mortgage Concentration (%): Bottom 5.3% in tier
- - Members Per Employee (MPE): Bottom 9.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,204
-4.7% YoY-0.7% QoQ
|
-1.4K |
2,625
-2.2% YoY
|
35,456
+8.6% YoY
|
33,089
+6.1% YoY
|
34th in tier |
| Assets |
$52.4M
+4.2% YoY-1.3% QoQ
|
+$22.5M |
$29.9M
+1.1% YoY
|
$650.8M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
Top 21.5% in tier |
| Loans |
$37.1M
+6.8% YoY+0.2% QoQ
|
+$21.4M |
$15.8M
-2.4% YoY
|
$461.6M
+14.9% YoY
|
$388.7M
+8.6% YoY
|
Top 12.5% in tier |
| Deposits |
$41.3M
+4.0% YoY-1.8% QoQ
|
+$15.8M |
$25.5M
+0.4% YoY
|
$550.3M
+12.5% YoY
|
$464.6M
+9.3% YoY
|
Top 23.7% in tier |
| ROA |
0.9%
-12.9% YoY-8.1% QoQ
|
+0.2% |
0.7%
-731.4% YoY
|
0.8%
-27.1% YoY
|
0.7%
+273.4% YoY
|
56th in tier |
| NIM |
2.7%
+4.5% YoY-2.0% QoQ
|
-1.3% |
3.9%
+3.8% YoY
|
3.7%
+8.5% YoY
|
3.7%
+5.0% YoY
|
Bottom 10.2% in tier |
| Efficiency Ratio |
66.5%
+13.1% YoY+3.3% QoQ
|
-14.9% |
81.4%
-2.4% YoY
|
76.1%
-1.3% YoY
|
79.1%
-3.3% YoY
|
Bottom 24.2% in tier |
| Delinquency Rate |
1.7%
-26.1% YoY-16.2% QoQ
|
+0.2 |
1.5%
-2.0% YoY
|
0.9%
-19.7% YoY
|
1.2%
-0.9% YoY
|
Top 24.1% in tier |
| Loan To Share |
90.0%
+2.7% YoY+2.0% QoQ
|
+28.7% |
61.2%
-3.0% YoY
|
68.1%
+0.3% YoY
|
68.0%
-1.7% YoY
|
Top 10.9% in tier |
| AMR |
$65,113
+10.5% YoY-0.1% QoQ
|
+$50K |
$14,627
-2.7% YoY
|
$22,054
+2.5% YoY
|
$19,418
+1.3% YoY
|
Top 0.2% in tier |
| CD Concentration |
59.6%
+2.5% YoY+4.0% QoQ
|
+35.2% |
24.4%
+4.2% YoY
|
18.6%
+6.0% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
11.9%
-2.7% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (11 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
4
Loan-to-Member Ratio (LMR)
engagement
Value:
$30,839
Peer Avg: $5,488
#4 of 2596
Top 0.1% in <100M tier
5
Average Member Relationship (AMR)
engagement
Value:
$65,113
Peer Avg: $14,627
#5 of 2596
Top 0.2% in <100M tier
229
AMR Growth Rate
growth
Value:
10.50%
Peer Avg: 4.67%
#229 of 2596
Top 8.8% in <100M tier
279
Loan-to-Share Ratio
balance_sheet
Value:
89.98%
Peer Avg: 61.23%
#279 of 2596
Top 10.7% in <100M tier
325
Total Loans
balance_sheet
Value:
$37.13M
Peer Avg: $15.77M
#325 of 2596
Top 12.5% in <100M tier
429
Loan Growth Rate
growth
Value:
6.82%
Peer Avg: 59.01%
#429 of 2596
Top 16.5% in <100M tier
504
Net Worth Ratio
risk
Value:
20.99%
Peer Avg: 16.43%
#504 of 2596
Top 19.4% in <100M tier
558
Total Assets
balance_sheet
Value:
$52.35M
Peer Avg: $29.86M
#558 of 2596
Top 21.5% in <100M tier
615
Total Deposits
balance_sheet
Value:
$41.27M
Peer Avg: $25.45M
#615 of 2596
Top 23.7% in <100M tier
Top Weaknesses (7 metrics)
2561
Share Certificate Concentration (%)
balance_sheet
Value:
59.64%
Peer Avg: 15.37%
#2561 of 2596
Bottom 1.4% in <100M tier
2459
First Mortgage Concentration (%)
balance_sheet
Value:
55.04%
Peer Avg: 14.49%
#2459 of 2596
Bottom 5.3% in <100M tier
2343
Members Per Employee (MPE)
engagement
Value:
150.500
Peer Avg: 365.701
#2343 of 2596
Bottom 9.8% in <100M tier
2331
Net Interest Margin (NIM)
profitability
Value:
2.66%
Peer Avg: 3.93%
#2331 of 2596
Bottom 10.2% in <100M tier
2192
Net Charge-Off Rate
risk
Value:
0.93%
Peer Avg: 0.57%
#2192 of 2596
Bottom 15.6% in <100M tier
2104
Member Growth Rate
growth
Value:
-4.67%
Peer Avg: 14.92%
#2104 of 2596
Bottom 19.0% in <100M tier
1972
Total Delinquency Rate (60+ days)
risk
Value:
1.72%
Peer Avg: 1.51%
#1972 of 2596
Bottom 24.1% in <100M tier