Sep, 30, 2025 — HERITAGE COMMUNITY CREDIT UNION is a federally insured state chartered credit union headquartered in FAIR OAKS, CA with 3 branch locations and about $277.56 million in total assets. Opened 73 years ago in 1953, HERITAGE COMMUNITY CREDIT UNION has about 10,274 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: | HERITAGE COMMUNITY CREDIT UNION |
|---|---|
| Address: (Main Office) | 5329 Sunrise Blvd FAIR OAKS, CA 95628-3539 |
| Phone: | (916) 364-1700 |
| Fax: | |
| Website: | https://www.heritageccu.com |
| Branches: | 3 branch locations |
| Members: | 10,274 |
| 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, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $277,558,043 |
| CEO/Manager: | Ed Turk |
| Chairperson: | Bobbi Beehler |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 20,934,492 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 128,464,724 |
| Unsecured Loans | 3,234,243 |
| Other Loans | 96,394,541 |
| TOTAL LOANS | 228,673,042 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -3,098,257 |
| Land And Building | 0 |
| Other Fixed Assets | 1,548,792 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 2,190,162 |
| All Other Assets | 72,682 |
| TOTAL ASSETS | 277,558,043 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 98,902 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 3,010,830 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 2,000,000 |
| Share Drafts | 60,602,696 |
| Regular shares | 75,224,561 |
| All Other Shares & Deposits | 111,318,338 |
| TOTAL SHARES & DEPOSITS | 247,145,595 |
| TOTAL LIABILITIES | 252,255,327 |
| Regular Reserve | 0 |
| Other Reserves | 1,232 |
| Undivided Earnings | 25,301,484 |
| TOTAL EQUITY | 25,302,716 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 277,558,043 |
| INCOME & EXPENSE | |
| Loan Income | 8,823,993 |
| Investment Income | 964,654 |
| Other Income | 784,328 |
| Total Employee Compensation & Benefits | 3,592,565 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 3,009,511 |
| Non-operating Income & (Expense) | 7,854 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 1,263,482 |
| Cost of Funds | 3,025,732 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 469,829 |
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