Strategic Credit Fund

Yield focused multifamily debt investments for credit unions.
​Offered through CUWG & managed by Origin Credit Advisers
The Strategic Credit Fund (Fund) offered through CUWG and managed by Origin Credit Advisors invests in Freddie Mac securitized multifamily loans. Origin Credit Advisors is a SEC registered investment advisor and Freddie Mac Directing Certificate Holder, specializing in multi family real estate investments. The objective of this Fund is to provide your credit union with a consistent stream of risk-adjusted income, capital protection, and competitive yield above traditional bond products.

Current Net Yield:
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​11.37%

as of 1/31/2025

Fund Strategy

The Fund’s management team actively invests in Freddie Mac K-Deal B Piece Certificates. The Fund’s investment strategy seeks to invest in securitized products backed by collateral that is composed of 90% or more multifamily housing assets and private positions in senior and mezzanine-level debt of multifamily real estate projects. Key features of the fund include:

Priority Position: The Fund’s investments are senior to the underlying common equity in payback priority, seeking impairment protection by a 30% to 40% cushion to loss in underlying collateral value. 

Income Generation: The Fund looks for opportunities to generate attractive risk-adjusted current income. The Fund intends to make regular monthly distributions and provides a distribution reinvestment program for investors to auto-reinvest distributions back into the Fund. 

Hedge Against Inflation: The Fund seeks to allocate 30% to 60% of its equity to floating rate debt investments, which means when interest rates rise, so do the borrower’s interest payments.

Investment Use Cases

Diversify Asset Holdings: Credit unions often face concentration risks, especially if their loan portfolios are heavily weighted toward local mortgage lending. Investing in this Fund allows them to diversify their asset base with exposure to high-performing multifamily real estate.

Risk Reduction: Investments are senior to the underlying common equity in payback priority, providing a 30% to 40% cushion against potential losses in the underlying collateral value. 
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Access to Higher-Yielding Investments: This Fund primarily invests in senior structured credit instruments and floating-rate debt associated with multifamily assets. These investments typically offer higher yields than traditional fixed-income options like government bonds or agency securities. For credit unions, this can improve overall portfolio performance while still aligning with prudent risk management practices.
© 2025 Polaris Financial, LLC.
Advisory services offered through Polaris Financial, LLC doing business as Credit Union Wealth Group. Polaris Financial, LLC is a SEC registered investment advisor. 6 Liberty Square #2663 Boston, MA 02109. All rights reserved. Brokerage services provided to clients of Polaris Financial, LLC by Altruist Financial LLC and/or Interactive Brokers Group, registered broker-dealers and members FINRA/SIPC. Past performance is no guarantee of future results. All securities involve risk and may result in loss. Nothing in this communication should be construed as a solicitation or offer, or recommendation, or advice to buy or sell securities or services. 
Investments in securities: Not FDIC Insured - Not NCUA Insured - No Bank Guarantee - May Lose Value. 
Credit Union Wealth Group has a partnership with credit unions to provide investment advisory services to their members. The credit unions are not investment clients of Credit Union Wealth Group but have a revenue sharing relationship that can create a conflict of interest.