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HERITAGE COMMUNITY CREDIT UNION

Mar, 31, 2021 — HERITAGE COMMUNITY CREDIT UNION is a federally insured state chartered credit union headquartered in RANCHO CORDOVA, CA with 4 branch locations and about $248.23 million in total assets. Opened 68 years ago in 1953, HERITAGE COMMUNITY CREDIT UNION has about 12,291 members and employs 38 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)
P O BOX 790
RANCHO CORDOVA, CA 95741-0790
Phone:(916) 364-1700
Fax:(916) 364-3791
Website:http://www.heritageccu.com
Branches:4 branch locations
Members:12,291
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, 2020
FHLB Member:Yes
Low Income Designation:No
Assets:$248,233,025
CEO/Manager:Ed Turk
Chairperson:William Windle

Call Report

  • Commercial Loans
  • Debt Cancellation/Suspension
  • Indirect Consumer Loans
  • Overdraft Lines of Credit
  • Overdraft Protection
  • Participation Loans
  • Pay Day Loans
  • Real Estate Loans
  • Risk Based Loans
  • Share Secured Credit Cards
  • ATM/Debit Card Program
  • Commercial Share Accounts
  • Check Cashing
  • Insurance/Investment Sales
  • International Remittances
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 33,079,234
TOTAL INVESTMENTS 21,629,807
Loans Held for Sale 853,000
 
 Real Estate Loans 76,963,011
 Unsecured Loans 792,484
 Other Loans 97,636,810
 TOTAL LOANS 177,282,299
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -2,605,200
 Land And Building 1,382,182
 Other Fixed Assets 433,499
 NCUSIF Deposit 1,969,900
 All Other Assets 14,208,304
  TOTAL ASSETS 248,233,025
LIABILITIES & CAPITAL:  
 Dividends Payable 14,950
 Notes & Interest Payable 5,000,000
 Accounts Payable & Other Liabilities 1,358,773
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 58,103,205
 Regular shares 78,881,756
 All Other Shares & Deposits 83,973,008
  TOTAL SHARES & DEPOSITS 220,957,969
  TOTAL LIABILITIES 227,331,692
 Regular Reserve 378,315
 Other Reserves 9,245
 Undivided Earnings 20,513,773
  TOTAL EQUITY 20,901,333
  TOTAL LIABILITIES, SHARES, & EQUITY 248,233,025
INCOME & EXPENSE  
 Loan Income 1,613,476
 Investment Income 34,871
 Other Income 213,784
 Total Employee Compensation & Benefits 805,153
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 892,755
 Non-operating Income & (Expense) 9,529
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 124,218
 Cost of Funds 101,916
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 296,874
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