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HERITAGE COMMUNITY CREDIT UNION

Dec, 31, 2021 — HERITAGE COMMUNITY CREDIT UNION is a federally insured state chartered credit union headquartered in SACRAMENTO, CA with 4 branch locations and about $248.96 million in total assets. Opened 69 years ago in 1953, HERITAGE COMMUNITY CREDIT UNION has about 11,859 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.


ABA Routing Number: 321170842
Name:HERITAGE COMMUNITY CREDIT UNION
Address:
(Main Office)
10415 Old Placerville Rd
SACRAMENTO, CA 95827-2508
Phone:(916) 364-1700
Fax:(916) 364-3791
Website:http://www.heritageccu.com
Branches:4 branch locations
Members:11,859
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:$248,959,506
CEO/Manager:Ed Turk
Chairperson:William Windle

Call Report

  • International Remittances
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 34,327,756
TOTAL INVESTMENTS 22,528,629
Loans Held for Sale 345,000
 
 Real Estate Loans 78,880,445
 Unsecured Loans 845,435
 Other Loans 96,462,177
 TOTAL LOANS 177,751,089
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -1,815,809
 Land And Building 1,325,152
 Other Fixed Assets 319,932
 NCUSIF Deposit 2,124,332
 All Other Assets 12,053,425
  TOTAL ASSETS 248,959,506
LIABILITIES & CAPITAL:  
 Dividends Payable 16,865
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 1,775,982
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 2,000,000
 Share Drafts 63,071,502
 Regular shares 83,338,018
 All Other Shares & Deposits 77,114,116
  TOTAL SHARES & DEPOSITS 223,523,636
  TOTAL LIABILITIES 227,316,483
 Regular Reserve 378,315
 Other Reserves 2,980
 Undivided Earnings 21,261,728
  TOTAL EQUITY 21,643,023
  TOTAL LIABILITIES, SHARES, & EQUITY 248,959,506
INCOME & EXPENSE  
 Loan Income 6,148,127
 Investment Income 167,407
 Other Income 924,577
 Total Employee Compensation & Benefits 3,479,733
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 3,540,012
 Non-operating Income & (Expense) -8,900
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 259,666
 Cost of Funds 355,849
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 1,044,828
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