| Weiss Ratings |
Heritage Community Credit Union
Fair Oaks, CA |
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| Rating | ||||
| Asset Quality Index | 8.20 | |||
| Capitalization Index | 6.70 | |||
| Liquidity Index | 2.40 | |||
| Profitability Index | 0.50 | |||
| Stability Index | 5.50 | |||
| 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 | 1.73% | |||
| 5-Year Asset Growth | 4.36% | |||
| 5-Year Charge-Offs to Average Loans | 0.39% | |||
| Charge-Offs to Average Loans | 0.53% | |||
| Non-Performing Assets to Assets | 0.58% | |||
| Non-Performing Loans to Capital | 4.06% | |||
| Non-Performing Loans to Loans | 0.47% | |||
| Balance Sheet |
Heritage Community Credit Union
Fair Oaks, CA |
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| Total Assets | 277.03M | |||
| Total Deposits | 246.81M | |||
| Capital and Reserves |
Heritage Community Credit Union
Fair Oaks, CA |
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| Capital | 25.04M | |||
| Leverage Ratio | 9.77 | |||
| Loan Loss Reserves to Loans | 1.37% | |||
| Liquidity |
Heritage Community Credit Union
Fair Oaks, CA |
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| Hot Money Ratio | 13.11% | |||
| Liquidity Ratio | 10.00% | |||
| Profitability |
Heritage Community Credit Union
Fair Oaks, CA |
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| 5-Year Return on Average Assets | 0.33% | |||
| Net Income | 212.00K | |||
| Net Interest Spread | 3.72% | |||
| Operating Profit to Average Assets | 0.81% | |||
| Overhead Efficiency Ratio | 80.91% | |||
| Return on Assets | 0.16% | |||
| Return on Equity | 1.70% | |||