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HERITAGE COMMUNITY CREDIT UNION

Sep, 30, 2022 — HERITAGE COMMUNITY CREDIT UNION is a federally insured state chartered credit union headquartered in SACRAMENTO, CA with 4 branch locations and about $258.28 million in total assets. Opened 70 years ago in 1953, HERITAGE COMMUNITY CREDIT UNION has about 11,784 members and employs 46 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:https://www.heritageccu.com
Branches:4 branch locations
Members:11,784
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, 2021
FHLB Member:Yes
Low Income Designation:No
Assets:$258,276,212
CEO/Manager:Ed Turk
Chairperson:Bobbi Beehler

Call Report

  • International Remittances
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 13,436,328
TOTAL INVESTMENTS 0
Loans Held for Sale 0
 
 Real Estate Loans 92,423,890
 Unsecured Loans 2,226,310
 Other Loans 108,085,275
 TOTAL LOANS 203,877,735
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -1,453,478
 Land And Building 1,273,198
 Other Fixed Assets 174,858
 NCUSIF Deposit 2,139,203
 All Other Assets 212,515
  TOTAL ASSETS 258,276,212
LIABILITIES & CAPITAL:  
 Dividends Payable 21,545
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 1,726,804
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 2,000,000
 Share Drafts 61,405,945
 Regular shares 83,628,677
 All Other Shares & Deposits 87,682,995
  TOTAL SHARES & DEPOSITS 232,717,617
  TOTAL LIABILITIES 236,465,966
 Regular Reserve 0
 Other Reserves -43,052
 Undivided Earnings 21,853,298
  TOTAL EQUITY 21,810,246
  TOTAL LIABILITIES, SHARES, & EQUITY 258,276,212
INCOME & EXPENSE  
 Loan Income 4,566,216
 Investment Income 296,434
 Other Income 660,911
 Total Employee Compensation & Benefits 2,957,662
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 2,853,061
 Non-operating Income & (Expense) -23,530
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense -247,131
 Cost of Funds 464,369
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 213,256
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