Community-focused Growth The credit union has a long history (over 70 years) as a community-based, member-owned nonprofit serving Cheboygan County and surrounding areas, indicating a loyal member base and potential for cross-sell of additional financial products to existing members.

Local Market Opportunity With a regional footprint in northern Michigan and a relatively small employee size (11-50), there may be room to expand digital marketing and community outreach partnerships to attract new members from nearby towns and small businesses.

Digitally Enabled Tech stack includes Site Kit, Google Tag Manager, PHP and MySQL, suggesting opportunities to upsell lightweight digital services, enhanced online banking features, or secure payment integrations that align with existing infrastructure.

Financial Scale Revenue is in the 10–25 million range, presenting a mid-market profile where sales conversations can focus on scalable solutions such as core banking enhancements, data analytics, compliance tooling, and member outreach platforms suitable for regional FIs.

Competitive Positioning As a federally insured, equal housing lender with a friendly, hometown brand, there is potential to position partnerships around cost-effective technology upgrades, marketing collaboration, and member education programs that reinforce trust and drive product adoption.