State credit union · Rancho Cordova, California · NCUA charter #68395
Heritage Community
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $278.5M
- Total assets
- 10,234
- Members
- 9.8%
- Net-worth ratio
Heritage Community scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $278.5M; members 10,234; net-worth ratio 9.76%; health rank #2,323 of 4,374; healthier than 46th of scored peers.
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#2,323 of 4,374 health · 2025Q4Heritage Community · health 83/100 · $278.5M · 2025Q4
Call Report peers
Heritage Community in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Heritage Community vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Heritage Community sits in 80-84 with 767 others.
83 46th percentile higher than 46% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Heritage Community vs $100M–$500M peers
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +27.93 pp (100.13% vs 72.20%).
- Widest shortfall vs peers is Net Worth Ratio: -2.35 pp (9.76% vs 12.11%).
Heritage Community in California
- California health ordinal: #139 of 243.
- By total assets, Heritage Community is #109 of 243 in California.
- Member book place in California: #122 of 243.
- One place up in California, Maryknoll of L a (#138) ties at 83/100; one place down, La Loma (#140) ties at 83/100.
How Heritage Community's 5300 filing moved
Heritage Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.5% from $278.5M (2025Q4) to $282.6M (2026Q1).
- Net-worth ratio shifted -0.07 pp (9.83% → 9.76%).
This credit union's 9.76% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 83/100 score is built
Heritage Community gives up 17 points in total. Member Growth costs the most, 10.8 of its 15; Return on Assets scores full marks.
- Net Worth Ratio 29.4 pts
- Delinquency Rate 23.6 pts
- Return on Assets 15.0 pts
- Member Growth 4.2 pts
- Loan-to-Share Ratio 10.8 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.76% | -2.35 pp |
| Delinquency Rate | 0.64% | -0.26 pp |
| Return on Assets | 0.69% | +0.07 pp |
| Member Growth | -2.68% | - |
| Loan-to-Share Ratio | 100.13% | +27.93 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Heritage Community quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $282.6M | - |
| 2025Q4 | $278.5M | 10,234 |
| 2024Q4 | $268.1M | 10,516 |
| 2023Q4 | $273.0M | 11,157 |
Credit Union Details
- Charter Number
- 68395
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- California
- City
- Rancho Cordova
- Data Quarter
- 2025Q4
Branch Locations (4)
Heritage Community operates 4 offices across 3 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Headquarters (Main Office) | Fair Oaks, CA |
| Fair Oaks | Fair Oaks, CA |
| Folsom | Folsom, CA |
| Gold River | Gold River, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
A look at other California credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for Heritage Community
Similar total assets
Similar health score
Using this data
- Heritage Community ranks #2,323 of 4,374 nationally on financial health and #139 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- EDWARDS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with EDWARDS
Frequently Asked Questions
Is Heritage Community financially healthy?
Heritage Community has a financial health score of 83/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,323 of 4,374 nationally on health and #139 of 243 in California. Its net worth ratio is 9.76% and its delinquency rate 0.64%.
How does Heritage Community compare to other credit unions?
Heritage Community scores 83/100, higher than 46% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (100.13% vs 72.20%). Its widest shortfall is net worth ratio (9.76% vs 12.11%).
How can I join Heritage Community?
Membership eligibility for Heritage Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Heritage Community directly for current membership requirements and application steps.
Is my money safe at Heritage Community?
Heritage Community is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Heritage Community's net worth ratio of 9.76% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.