| Weiss Ratings |
Heritage Community Credit Union
Fair Oaks, CA |
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| Rating | ||||
| Asset Quality Index | 7.70 | |||
| Capitalization Index | 6.90 | |||
| Liquidity Index | 2.30 | |||
| Profitability Index | 4.50 | |||
| Stability Index | 5.60 | |||
| Company Info |
Heritage Community Credit Union
Fair Oaks, CA |
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| NCUA Charter Number | 1830 | |||
| Phone Number | (916) 364-1700 | |||
| Website | www.heritageccu.com | |||
| Asset Quality |
Heritage Community Credit Union
Fair Oaks, CA |
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| 1-Year Asset Growth | 0.06% | |||
| 5-Year Asset Growth | 5.00% | |||
| 5-Year Charge-Offs to Average Loans | 0.32% | |||
| Charge-Offs to Average Loans | 0.54% | |||
| Non-Performing Assets to Assets | 0.63% | |||
| Non-Performing Loans to Capital | 6.17% | |||
| Non-Performing Loans to Loans | 0.70% | |||
| Balance Sheet |
Heritage Community Credit Union
Fair Oaks, CA |
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| Total Assets | 266.26M | |||
| Total Deposits | 236.26M | |||
| Capital and Reserves |
Heritage Community Credit Union
Fair Oaks, CA |
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| Capital | 24.85M | |||
| Leverage Ratio | 10.10 | |||
| Loan Loss Reserves to Loans | 1.04% | |||
| Liquidity |
Heritage Community Credit Union
Fair Oaks, CA |
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| Hot Money Ratio | 12.82% | |||
| Liquidity Ratio | 9.44% | |||
| Profitability |
Heritage Community Credit Union
Fair Oaks, CA |
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| 5-Year Return on Average Assets | 0.28% | |||
| Net Income | 1.95M | |||
| Net Interest Spread | 3.46% | |||
| Operating Profit to Average Assets | 0.72% | |||
| Overhead Efficiency Ratio | 66.66% | |||
| Return on Assets | 0.95% | |||
| Return on Equity | 10.68% | |||