COUNTRY HERITAGE
Charter #62079 · BUCHANAN, MI · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,209 sits at the 8th percentile of structural peers — worth a closer look.
- Net worth ratio of 21.79% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.77% sits at the 15th percentile of structural peers — worth a closer look.
- Cost of funds of 0.04% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | COUNTRY HERITAGE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $51.97M | 6th pct | 36th pct |
| Members | 1,209 | 0th pct | 8th pct |
| Net worth ratio | 21.79% | 95th pct | 79th pct |
| Return on average assets | 1.11% | 70th pct | 66th pct |
| Net interest margin | 2.77% | 9th pct | 15th pct |
| Cost of funds | 0.04% | 4th pct | 0th pct |
| Loan-to-share | 94.86% | 97th pct | 62th pct |
| Delinquency 60+ days | 0.45% | 40th pct | 48th pct |
| Net charge-off ratio | 0.00% | 14th pct | 8th pct |
| Loan growth YoY | 3.61% | 87th pct | 85th pct |
| Share growth YoY | -1.73% | 7th pct | 18th pct |
| Efficiency ratio | 59.70% | 10th pct | 13th pct |
structural peer set hash: ca33f1d718bee36b8e2251d781696d19… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.