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HERITAGE COMMUNITY CREDIT UNION

Jun, 30, 2021 — HERITAGE COMMUNITY CREDIT UNION is a federally insured state chartered credit union headquartered in RANCHO CORDOVA, CA with 4 branch locations and about $246.29 million in total assets. Opened 68 years ago in 1953, HERITAGE COMMUNITY CREDIT UNION has about 12,200 members and employs 41 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:12,200
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:$246,294,444
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 32,113,615
TOTAL INVESTMENTS 16,642,316
Loans Held for Sale 215,000
 
 Real Estate Loans 84,795,065
 Unsecured Loans 781,333
 Other Loans 93,406,944
 TOTAL LOANS 180,809,069
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -1,680,282
 Land And Building 1,363,172
 Other Fixed Assets 439,509
 NCUSIF Deposit 2,097,458
 All Other Assets 14,294,587
  TOTAL ASSETS 246,294,444
LIABILITIES & CAPITAL:  
 Dividends Payable 15,972
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 1,702,815
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 59,147,342
 Regular shares 81,384,673
 All Other Shares & Deposits 82,759,737
  TOTAL SHARES & DEPOSITS 223,291,752
  TOTAL LIABILITIES 225,010,539
 Regular Reserve 378,315
 Other Reserves 7,344
 Undivided Earnings 20,898,246
  TOTAL EQUITY 21,283,905
  TOTAL LIABILITIES, SHARES, & EQUITY 246,294,444
INCOME & EXPENSE  
 Loan Income 3,131,857
 Investment Income 69,106
 Other Income 435,991
 Total Employee Compensation & Benefits 1,623,355
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 1,760,553
 Non-operating Income & (Expense) 9,529
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 162,036
 Cost of Funds 188,515
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 681,348
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