TellerScore

Heritage Community Credit Union is a federally insured state-chartered credit union headquartered in Rancho Cordova, California, in business for about 73 years. At the end of Q2 2026 it reported $283.4M in total assets and $252.3M in member shares and deposits, with 4 offices.

Heritage Community Credit Union has a TellerScore of 58 out of 100 (moderate) based on Q2 2026 data — higher than only 16% of its 1,341 credit unions with $100 million – $1 billion. Among 238 credit unions headquartered in California, it ranks 191st. Problem-loan coverage contributes the most (87/100, 6.7%); earnings contributes the least (32/100, 0.31%).

TellerScore · Q2 2026

Scorecard

Capital cushion48/100
Net worth ratio: 9.81%
Loan quality75/100
Loans 60+ days delinquent ÷ total loans: 0.75%
Earnings32/100
Return on assets (annualized): 0.31%
Funding & liquidity64/100
Loans ÷ shares: 96.6% · 8.7% uninsured
Problem-loan coverage87/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.66%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (58 → 58).

TellerScore
576369Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202465
Q4 202462
Q1 202560
Q2 202558
Q3 202559
Q4 202557
Q1 202659
Q2 202658
Net worth ratio
7.00%8.55%10.10%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.80%
Q3 202410.10%
Q4 202410.01%
Q1 20259.84%
Q2 20259.77%
Q3 20259.84%
Q4 20259.83%
Q1 20269.76%
Q2 20269.81%
Delinquent loans (60+ days)
0.42%0.59%0.75%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.42%
Q3 20240.70%
Q4 20240.73%
Q1 20250.47%
Q2 20250.69%
Q3 20250.64%
Q4 20250.64%
Q1 20260.64%
Q2 20260.75%
Return on assets
0.15%0.72%1.28%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.28%
Q3 20240.98%
Q4 20240.72%
Q1 20250.18%
Q2 20250.15%
Q3 20250.23%
Q4 20250.20%
Q1 20260.29%
Q2 20260.31%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202658$283.4M9.81%0.75%0.31%96.6%
Q1 202659$282.6M9.76%0.64%0.29%95.6%
Q4 202557$278.5M9.83%0.64%0.20%100.1%
Q3 202559$277.6M9.84%0.64%0.23%92.5%
Q2 202558$277.0M9.77%0.69%0.15%89.9%
Q1 202560$274.0M9.84%0.47%0.18%93.8%
Q4 202462$268.1M10.01%0.73%0.72%96.7%
Q3 202465$266.3M10.10%0.70%0.98%94.2%
Q2 202469$272.3M9.80%0.42%1.28%95.2%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.81%
25th
Problem loans0.75%
45th
Net charge-offs0.57%
29th
Return on assets0.31%
18th
Loans to deposits96.6%
6th
Uninsured deposits8.7%
24th
Loan-loss reserves0.00%
50th
Texas ratio6.7%
27th

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
Edwards Federal Credit UnionCredit union Edwards, CA56 out of 100, Moderate$276.6M8.8%0.81%vs
Long Beach City Employees Federal Credit UnionCredit union Signal Hill, CA83 out of 100, Strong$270.6M13.8%0.01%vs
Santa Barbara Teachers Federal Credit UnionCredit union Santa Barbara, CA88 out of 100, Very strong$308.5M13.8%0.01%vs
Central State Credit UnionCredit union Stockton, CA65 out of 100, Moderate$258.2M9.0%0.40%vs
Corazo Credit UnionCredit union El Centro, CA59 out of 100, Moderate$243.6M14.0%2.51%vs
Ume Federal Credit UnionCredit union Burbank, CA74 out of 100, Strong$327.9M9.9%0.54%vs

Deposit insurance

Is my money safe at Heritage Community Credit Union?

Yes. Heritage Community Credit Union is a federally insured credit union (NCUA charter #68395). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 8.7% of shares and deposits ($22.1M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 9.81%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Heritage Community Credit Union lists 4 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Heritage Community Credit Union reported 121 home-loan applications under HMDA (LEI 549300P7QM2ETZZY0323): 84 originated ($12,980,000 total), 21 denied, and 16 withdrawn or closed by the applicant. Its denial rate on decided applications was 20.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Heritage Community Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68395
RSSD ID
297387
Primary regulator
State + NCUA
Established
1953
Headquarters
P.O. Box 790, Rancho Cordova, CA 95741
Employees
46

Quick answers

Heritage Community Credit Union: common questions

Is Heritage Community Credit Union NCUA insured?

Yes. Heritage Community Credit Union is a federally insured credit union (NCUA charter #68395). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Heritage Community Credit Union's TellerScore?

58 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Heritage Community Credit Union have?

4 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Rancho Cordova

InstitutionScoreAssetsCapitalProblem loansCompare
Sacramento Credit UnionCredit union Sacramento, CA96 out of 100, Very strong$858.3M15.1%0.09%vs
Bank of StocktonBank Stockton, CA94 out of 100, Very strong$5.0B19.9%0.08%vs
Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA92 out of 100, Very strong$1.7B15.5%0.60%vs
SoFi Bank, National AssociationBank Cottonwood Heights, UT88 out of 100, Very strong$56.8B13.3%0.08%vs
El Dorado Savings Bank, F.S.B.Bank Placerville, CA84 out of 100, Strong$2.4B13.4%0.28%vs
Beal Bank USABank Las Vegas, NV80 out of 100, Strong$11.0B21.9%0.78%vs