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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,323 of 4,374 health · 2025Q4Heritage Community · health 83/100 · $278.5M · 2025Q4
- CHARTER 83/100
- NCUSIF 9.8%
- CAMELS 0.64%
- HEALTH 0.69%
- NW $278.5M
- DELQ 10,234
- ROA #2,323/4,374
- ASSETS Cottonwood Community
- MEM 68395
Call Report peers
Heritage Community in the assets neighbourhood
Heritage Community's $278.5M assets sit next to Cottonwood Community ($278.9M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
83 46th percentile higher than 46% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Heritage Community - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #68395, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Heritage Community's 5300 filing moved
Heritage Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.5% from $278.5M (2025Q4) to $282.6M (2026Q1).
- Net-worth ratio shifted -0.07 pp (9.83% → 9.76%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 83.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Heritage Community's nationwide photo peers by assets and by health score, excluding California charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($278.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (83/100 here).
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
- Rates and health both vary by institution, not just by state -- see how California credit unions compare overall before assuming this one is typical. California state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Heritage Community financially healthy?
Heritage Community scores 83/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,323 of 4,374; by total assets it ranks #1,074 of 4,374 nationally (same basis as /rankings/largest); and #109 of 243 within California. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 9.76% net worth ratio and a 0.64% delinquency rate.
How does Heritage Community compare to other credit unions?
Heritage Community scores 83/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Heritage Community are 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."
What rates does Heritage Community offer compared to banks?
Credit unions like Heritage Community are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Heritage Community directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.