State credit union · Rancho Cordova, California · NCUA charter #68395
Heritage Community
Health score 81/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $278.5M
- Total assets
- 10,234
- Members
- 9.1%
- Net-worth ratio
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 - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)93
- Asset quality (delinquency)95
- Earnings (ROA)100
- Member growth28
- Liquidity (loan-to-share)70
Weighted composite: 81/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 9.12% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.12% | 30% |
| Delinquency Rate | 0.64% | 25% |
| Return on Assets | 0.69% | 15% |
| Member Growth | -2.68% | 15% |
| Loan-to-Share Ratio | 100.13% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Heritage Community
Charter #68395, peer group $100M–$500M, a cohort of 1069 similarly-sized institutions: that's Heritage Community, a state credit union in Rancho Cordova, California with 10,234 members, $278.5M in total assets, and $248.5M in outstanding loans as of Q4 2025. The five-factor composite scores it 81/100 (Excellent), helped by a net worth ratio of 9.12% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Two more numbers round out the picture: a 0.64% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers - and a 100.13% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.69% on net income of $1.9M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -2.68%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Heritage Community financially healthy?
Heritage Community scores 81/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 9.12% net worth ratio and a 0.64% delinquency rate.
How does Heritage Community compare to other credit unions?
Heritage Community scores 81/100 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 9.12% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.