Sep, 30, 2025 — GEORGIA HERITAGE FEDERAL CREDIT UNION is a federal credit union headquartered in SAVANNAH, GA with 4 branch locations and about $155.46 million in total assets. Opened 86 years ago in 1940, GEORGIA HERITAGE FEDERAL CREDIT UNION has about 15,226 members and employs 44 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | GEORGIA HERITAGE FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 1085 W Lathrop Ave SAVANNAH, GA 31415 |
| Phone: | (912) 236-4400 |
| Fax: | (912) 238-5944 |
| Website: | https://www.gaheritagefcu.org |
| Branches: | 4 branch locations |
| Members: | 15,226 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 3800 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1940 |
| Last Audited: | Mar 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $155,456,488 |
| CEO/Manager: | Matthew Selke |
| Chairperson: | Donna C Trapani |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 19,457,929 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 27,102,509 |
| Unsecured Loans | 5,882,602 |
| Other Loans | 74,481,660 |
| TOTAL LOANS | 107,466,772 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -1,335,376 |
| Land And Building | 3,340,822 |
| Other Fixed Assets | 591,632 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 1,275,562 |
| All Other Assets | 0 |
| TOTAL ASSETS | 155,456,488 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 142,139 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 2,877,296 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 23,366,613 |
| Regular shares | 51,804,418 |
| All Other Shares & Deposits | 60,746,281 |
| TOTAL SHARES & DEPOSITS | 135,917,311 |
| TOTAL LIABILITIES | 138,936,746 |
| Regular Reserve | 0 |
| Other Reserves | 1,761,555 |
| Undivided Earnings | 14,758,187 |
| TOTAL EQUITY | 16,519,742 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 155,456,488 |
| INCOME & EXPENSE | |
| Loan Income | 4,779,471 |
| Investment Income | 963,978 |
| Other Income | 625,487 |
| Total Employee Compensation & Benefits | 2,732,605 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 2,613,545 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 245,670 |
| Cost of Funds | 1,261,600 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 464,195 |
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