HERITAGE COMMUNITY
State-Chartered • Rancho Cordova, California • Est. 1953
Quick Facts
- Charter Number
- #68395
- Type
- State-Chartered
- Established
- 1953
- Headquarters
- Rancho Cordova, California 95741-0790
- Address
- P.O. Box 790
- Branches
- 4
- ATMs
- 3
- Members
- 10,234
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Well-capitalized with a healthy net worth ratio and solid financial fundamentals. A reliable institution with good long-term stability.
Financial Overview
Total Assets
Members
10,234 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | HERITAGE COMMUNITY |
|---|---|
| Total Assets | $278.5M |
| Members | 10,234 |
| Loans Outstanding | $248.5M |
| Shares & Deposits | $248.2M |
| Net Worth | $27.4M |
| Net Worth Ratio | 9.83% |
| Loan-to-Share Ratio | 100.1% |
| Delinquency Rate | 0.64% |
| Net Income | +$2,210,469 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
4 locations · 3 ATMs
Folsom
13385 Folsom Blvd Ste 200
Folsom, CA 95630-8004
Fair Oaks
5329 Sunrise Blvd
Fair Oaks, CA 95628-3539
Gold River
2155 Golden Centre Ln
Gold River, CA 95670-4477
Headquarters
Main Office5329 Sunrise Blvd
Fair Oaks, CA 95628-3539
Who Can Join HERITAGE COMMUNITY?
Membership Type: Community
Membership eligibility for HERITAGE COMMUNITY may vary. Contact the credit union directly to confirm qualification requirements.
Contact HERITAGE COMMUNITY directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View California RankingsFrequently Asked Questions
Yes. HERITAGE COMMUNITY is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, HERITAGE COMMUNITY has 10,234 members and a potential membership field of 3,300,000 people.
HERITAGE COMMUNITY's net worth ratio is 9.83% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 9.8%, HERITAGE COMMUNITY meets this threshold.
HERITAGE COMMUNITY operates 4 branch locations and has access to 3 ATMs. The main office is located at 5329 Sunrise Blvd, Fair Oaks, CA 95628-3539.
HERITAGE COMMUNITY was established in 1953. It is a state-chartered credit union chartered under charter number 68395. The institution has been serving members for 73 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or HERITAGE COMMUNITY. All financial data is for informational purposes only.