Overview / Commentary
Heritage Community Credit Union is headquartered in Fair Oaks and is the 111th largest credit union in the state of California. It is also the 1,081st largest credit union in the nation. It was established in 1953 and as of March of 2025, it had grown to 40 employees and 10,383 members at 4 locations. Heritage Community Credit Union has a B+ health rating.
Field of Membership Restrictions
Membership in Heritage Community Credit Union is open to those who live, work, worship, or attend school in the California counties of El Dorado, Placer, Sacramento, San Joaquin, or Yolo. Any California resident who is a member of the affiliated organization, the Financial Fitness Association, is also eligible for membership.
See current membership details
Health
B+
Data as of Q1 2025
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 68395 |
| Year Chartered | 1953 |
| Employees | 40 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.18% |
| Return on Equity - YTD | 2% |
| Annual Interest Income | $3.2MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $274MM$278.5MM |
| Loans | Q1 2025vs Q1 2024 | $228.9MM$232.3MM |
| Deposits | Q1 2025vs Q1 2024 | $244MM$247.5MM |
| Equity Capital | Q1 2025vs Q1 2024 | $24.9MM$24.7MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $2.8MM$2.1MM |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $1.1MM$1.3MM |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |