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HERITAGE COMMUNITY CREDIT UNION

Dec, 31, 2020 — HERITAGE COMMUNITY CREDIT UNION is a federally insured state chartered credit union headquartered in RANCHO CORDOVA, CA with 4 branch locations and about $236.93 million in total assets. Opened 68 years ago in 1953, HERITAGE COMMUNITY CREDIT UNION has about 12,259 members and employs 39 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:12,259
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, 2019
FHLB Member:Yes
Low Income Designation:No
Assets:$236,930,788
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 14,479,066
TOTAL INVESTMENTS 26,808,718
Loans Held for Sale 788,000
 
 Real Estate Loans 70,987,456
 Unsecured Loans 882,310
 Other Loans 106,742,459
 TOTAL LOANS 180,715,096
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -2,608,656
 Land And Building 1,401,290
 Other Fixed Assets 507,355
 NCUSIF Deposit 1,969,900
 All Other Assets 12,870,019
  TOTAL ASSETS 236,930,788
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 5,000,000
 Accounts Payable & Other Liabilities 1,580,786
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 56,707,119
 Regular shares 70,351,990
 All Other Shares & Deposits 82,686,732
  TOTAL SHARES & DEPOSITS 209,745,841
  TOTAL LIABILITIES 216,326,627
 Regular Reserve 378,315
 Other Reserves 8,948
 Undivided Earnings 20,216,898
  TOTAL EQUITY 20,604,161
  TOTAL LIABILITIES, SHARES, & EQUITY 236,930,788
INCOME & EXPENSE  
 Loan Income 6,693,194
 Investment Income 215,391
 Other Income 1,838,943
 Total Employee Compensation & Benefits 3,433,599
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 3,472,424
 Non-operating Income & (Expense) 804,699
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 1,976,838
 Cost of Funds 643,748
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 25,618
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