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HERITAGE COMMUNITY CREDIT UNION

Dec, 31, 2023 — HERITAGE COMMUNITY CREDIT UNION is a federally insured state chartered credit union headquartered in SACRAMENTO, CA with 4 branch locations and about $272.97 million in total assets. Opened 71 years ago in 1953, HERITAGE COMMUNITY CREDIT UNION has about 11,157 members and employs 45 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.


ABA Routing Number: 321170842
Name:HERITAGE COMMUNITY CREDIT UNION
Address:
(Main Office)
10415 Old Placerville Rd
SACRAMENTO, CA 95827-2508
Phone:(916) 364-1700
Fax:(916) 364-3791
Website:https://www.heritageccu.com
Branches:4 branch locations
Members:11,157
Credit Union Type:Federally Insured State Chartered Credit Union
Charter Number:68395
Membership Type:State chartered natural person
Corporate Credit Union:No
Year Opened:1953
Last Audited:Dec 01, 2022
FHLB Member:Yes
Low Income Designation:No
Assets:$272,972,081
CEO/Manager:Ed Turk
Chairperson:Bobbi Beehler

Call Report

  • International Remittances
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 13,858,450
TOTAL INVESTMENTS 0
Loans Held for Sale 0
 
 Real Estate Loans 121,502,100
 Unsecured Loans 2,774,252
 Other Loans 101,711,317
 TOTAL LOANS 226,757,283
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -1,989,151
 Land And Building 1,189,546
 Other Fixed Assets 658,718
 NCUSIF Deposit 2,286,674
 All Other Assets 173,235
  TOTAL ASSETS 272,972,081
LIABILITIES & CAPITAL:  
 Dividends Payable 82,577
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 2,919,886
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 2,000,000
 Share Drafts 60,681,830
 Regular shares 76,850,340
 All Other Shares & Deposits 107,561,216
  TOTAL SHARES & DEPOSITS 245,093,386
  TOTAL LIABILITIES 250,095,849
 Regular Reserve 0
 Other Reserves -29,590
 Undivided Earnings 22,905,822
  TOTAL EQUITY 22,876,232
  TOTAL LIABILITIES, SHARES, & EQUITY 272,972,081
INCOME & EXPENSE  
 Loan Income 8,959,960
 Investment Income 1,018,279
 Other Income 1,027,406
 Total Employee Compensation & Benefits 4,096,661
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 3,702,516
 Non-operating Income & (Expense) 130,263
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 942,250
 Cost of Funds 2,490,876
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 861,391
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