HERITAGE CREDIT UNION is no longer an active credit union according to the NCUA. If available, you can view their website at https://www.heritagecu.org for more information.
Sep, 30, 2025 — HERITAGE CREDIT UNION is a federally insured state chartered credit union headquartered in DEFOREST, WI with 12 branch locations and about $461.32 million in total assets. Opened 48 years ago in 1978, HERITAGE CREDIT UNION has about 29,080 members and employs 131 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | HERITAGE CREDIT UNION |
|---|---|
| Address: (Main Office) | 4617 LIUNA WAY DEFOREST, WI 53532 |
| Phone: | (608) 268-5090 |
| Fax: | (608) 241-2196 |
| Website: | https://www.heritagecu.org |
| Branches: | 12 branch locations |
| Members: | 29,080 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 68385 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1978 |
| Last Audited: | Jun 01, 2021 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $461,320,772 |
| CEO/Manager: | ANITA RAUCH |
| Chairperson: | GREG CULLEN |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 28,974,337 |
| TOTAL INVESTMENTS | 72,321,166 |
| Loans Held for Sale | 128,341 |
| Real Estate Loans | 188,498,503 |
| Unsecured Loans | 13,335,873 |
| Other Loans | 110,052,189 |
| TOTAL LOANS | 311,967,641 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -1,380,952 |
| Land And Building | 24,691,744 |
| Other Fixed Assets | 1,794,723 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 3,491,592 |
| All Other Assets | 19,332,180 |
| TOTAL ASSETS | 461,320,772 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 59,372 |
| Notes & Interest Payable | 30,033,196 |
| Accounts Payable & Other Liabilities | 3,104,422 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 98,632,856 |
| Regular shares | 130,696,035 |
| All Other Shares & Deposits | 148,090,408 |
| TOTAL SHARES & DEPOSITS | 377,419,299 |
| TOTAL LIABILITIES | 410,616,289 |
| Regular Reserve | 11,252,031 |
| Other Reserves | 4,763,072 |
| Undivided Earnings | 34,689,380 |
| TOTAL EQUITY | 50,704,483 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 461,320,772 |
| INCOME & EXPENSE | |
| Loan Income | 13,118,915 |
| Investment Income | 571,122 |
| Other Income | 1,473,804 |
| Total Employee Compensation & Benefits | 8,175,515 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 6,464,140 |
| Non-operating Income & (Expense) | 1,702,080 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 418,594 |
| Cost of Funds | 1,554,356 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 3,580,624 |
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