Sep, 30, 2025 — COUNTRY HERITAGE CREDIT UNION is a federally insured state chartered credit union headquartered in BUCHANAN, MI with 1 branch location and about $52.35 million in total assets. Opened 94 years ago in 1932, COUNTRY HERITAGE CREDIT UNION has about 1,204 members and employs 8 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | COUNTRY HERITAGE CREDIT UNION |
|---|---|
| Address: (Main Office) | 16580 Bakertown Rd BUCHANAN, MI 49107-9201 |
| Phone: | (269) 695-2334 |
| Fax: | (269) 695-2335 |
| Website: | https://www.countryheritagecu.com |
| Branches: | 1 branch locations |
| Members: | 1,204 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 62079 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1932 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $52,350,309 |
| CEO/Manager: | Frances K Terry |
| Chairperson: | William Messner |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 4,595,871 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 32,854,719 |
| Unsecured Loans | 28,142 |
| Other Loans | 4,246,945 |
| TOTAL LOANS | 37,129,807 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -188,627 |
| Land And Building | 211,324 |
| Other Fixed Assets | 52,303 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 304,314 |
| All Other Assets | 0 |
| TOTAL ASSETS | 52,350,309 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 42,822 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 41,469 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 3,714,216 |
| Regular shares | 10,986,255 |
| All Other Shares & Deposits | 26,565,611 |
| TOTAL SHARES & DEPOSITS | 41,266,081 |
| TOTAL LIABILITIES | 41,350,372 |
| Regular Reserve | 0 |
| Other Reserves | 1,689,326 |
| Undivided Earnings | 9,310,611 |
| TOTAL EQUITY | 10,999,937 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 52,350,309 |
| INCOME & EXPENSE | |
| Loan Income | 1,459,394 |
| Investment Income | 386,647 |
| Other Income | 23,237 |
| Total Employee Compensation & Benefits | 385,946 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 330,592 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 15,000 |
| Cost of Funds | 794,697 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 345,664 |
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