Charter 68395 · Rancho Cordova, CA
Heritage Community Credit Union
Heritage Community Credit Union is a state-chartered credit union in Rancho Cordova, California, with $283 million in assets and 9,942 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 9.81%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $283 million
- +2.3% in a year
- Members
- 9,942
- -4.1% in a year
- Net worth ratio
- 9.81%
- Peer median 11.65%
- Loans 60+ days late
- 0.75%
- Peer median 0.70%
- Loans outstanding
- $244 million
- +9.9% in a year
- Shares and deposits
- $252 million
- +2.2% in a year
- Branches
- 3
- 46 employees
- Opened
- 1953
- California charter
How Heritage Community Credit Union compares
NCUA groups credit unions by size; Heritage Community Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 9.81% is lower than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.75%, is about the same as the group median of 0.70%. Loans grew 9.9% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 109 of 239 credit unions headquartered in California. See all California credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $283 million | 9,942 | $244 million | 9.81% | 0.75% |
| Q1 2026 | $283 million | 10,041 | $241 million | 9.76% | 0.64% |
| Q4 2025 | $278 million | 10,234 | $248 million | 9.83% | 0.64% |
| Q3 2025 | $278 million | 10,274 | $229 million | 9.84% | 0.64% |
| Q2 2025 | $277 million | 10,370 | $222 million | 9.77% | 0.69% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 3.4 million potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 4 sites for Heritage Community Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Folsom
13385 Folsom Blvd Ste 200, Folsom, CA 95630 - Fair Oaks
5329 Sunrise Blvd, Fair Oaks, CA 95628 - Gold River
2155 Golden Centre Ln, Gold River, CA 95670 - Headquarters (main office)
5329 Sunrise Blvd, Fair Oaks, CA 95628
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology