HERITAGE COMMUNITY Credit Union Profile

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HERITAGE COMMUNITY

Charter #68395 | NCUA Region 3 | FISCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (916) 364-1700

Fax:

Founding Date: N/A

Website: http://www.heritageccu.com

Personnel & Operations

President: Beehler, Bobbi

Manager: Turk, Ed

FT Employees: 40

PT Employees: 2

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 3

Hours: M-F 9:00am - 6:00pm

Credit Union Profile Summary

HERITAGE COMMUNITY is a FISCU Credit Union. With a total of 10,370 members [1], this institution manages approximately $277,032,317 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 9.77% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -3.70% [1].

Financial Snapshot

Total Assets [1]
$277,032,317

Total economic resources.

Total Loans [1]
$221,882,861

Total value of outstanding loans.

Total Deposits [1]
$246,804,923

Total funds deposited by members.

Members [1]
10,370

Number of active members.

Performance Ratios

Net Worth Ratio [1]
9.77%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
0.16%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
89.90%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 1.73%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↓ -3.70%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↓ -3.60%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

5329 Sunrise Blvd

Fair Oaks, CA, 95628-3539
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 4 branches reported by HERITAGE COMMUNITY (Charter #68395).

Main Office

Headquarters Main Office

Type: Corporate Office

10415 Old Placerville Rd

Sacramento, CA 95827-2508

Phone: (916) 364-1700

Services: Member Services

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Additional Branches

Fair Oaks

Fair Oaks

Type: Branch Office

5329 Sunrise Blvd

Fair Oaks, CA 95628-3539

Phone: (916) 364-3060

Services: Member Services, ATM

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Folsom

Folsom

Type: Branch Office

707 E Bidwell St

Folsom, CA 95630-3341

Phone: (916) 364-3020

Services: Member Services, ATM

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Gold River

Gold River

Type: Branch Office

2155 Golden Centre Ln

Gold River, CA 95670-4477

Phone: (916) 364-1700

Services: Member Services, ATM

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