Heritage Community Credit Union

Heritage Community Credit Union is headquartered in RANCHO CORDOVA and is the 108^th largest credit union in the state of California. It is also the 864^th largest credit union in the nation. It was established in 1953 and as of December of 2011, it had grown to 56 employees and 16,767 members. Heritage Community Credit Union has a 4-star health rating.

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Data for Q4 2011

Institution Statistics HERITAGE COMMUNITY NCUA # 68395 BankRate Report View Year Chartered 1953 Employees 56 Primary Regulator Assets and Liabilities Assets $197.75 million Loans $110.67 million Deposits $179.06 million Equity Capital $18.21 million Loan Loss Allowance $2.20 million Unbacked Noncurrent Loans $1.28 million Real Estate Owned $381,000 Historic Data - December 2010 Assets $197.25 million Equity Capital $17.77 million Loan Loss Allowance $2.93 million Unbacked Noncurrent Loans $3.03 million Profit Margin - Quarterly Net Interest Margin 5.73% Return on Assets 0.22% Return on Equity 2.42% Interest Income $7.36 million Non-Interest Income $2.43 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Heritage Community Credit Union had $1.66 million in non-current loans and owned real-estate with $20.41 million in equity and loan loss allowances on hand to cover it. This gives Heritage Community Credit Union a Texas Ratio of 8.14% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Heritage Community Credit Union decreased significantly from 14.65% as of December 31, 2010 to 8.14% as of December 31, 2011, resulting in a positive change of 44.42%.This indicates that the balance sheet and financial strength for Heritage Community Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Heritage Community Credit Union has increased its total deposits by $570,000, resulting in 0.32% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Heritage Community Credit Union has shown is average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Heritage Community Credit Union has $197.75 million in assets with $20.41 million in equity, resulting in a capitalization level of 10.32%, which is above average.

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