| Weiss Ratings |
Heritage Community Credit Union
Sacramento, CA |
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| Rating | ||||
| Asset Quality Index | 8.20 | |||
| Capitalization Index | 6.40 | |||
| Liquidity Index | 2.40 | |||
| Profitability Index | 4.00 | |||
| Stability Index | 5.30 | |||
| Company Info |
Heritage Community Credit Union
Sacramento, CA |
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| NCUA Charter Number | 1830 | |||
| Phone Number | (916) 364-1700 | |||
| Website | www.heritageccu.com | |||
| Asset Quality |
Heritage Community Credit Union
Sacramento, CA |
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| 1-Year Asset Growth | 3.78% | |||
| 5-Year Asset Growth | 5.00% | |||
| 5-Year Charge-Offs to Average Loans | 0.32% | |||
| Charge-Offs to Average Loans | 0.40% | |||
| Non-Performing Assets to Assets | 0.55% | |||
| Non-Performing Loans to Capital | 5.72% | |||
| Non-Performing Loans to Loans | 0.57% | |||
| Balance Sheet |
Heritage Community Credit Union
Sacramento, CA |
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| Total Assets | 278.48M | |||
| Total Deposits | 247.51M | |||
| Capital and Reserves |
Heritage Community Credit Union
Sacramento, CA |
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| Capital | 24.66M | |||
| Leverage Ratio | 9.60 | |||
| Loan Loss Reserves to Loans | 0.91% | |||
| Liquidity |
Heritage Community Credit Union
Sacramento, CA |
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| Hot Money Ratio | 13.74% | |||
| Liquidity Ratio | 8.36% | |||
| Profitability |
Heritage Community Credit Union
Sacramento, CA |
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| 5-Year Return on Average Assets | 0.28% | |||
| Net Income | 1.79M | |||
| Net Interest Spread | 3.37% | |||
| Operating Profit to Average Assets | 0.58% | |||
| Overhead Efficiency Ratio | 50.28% | |||
| Return on Assets | 2.59% | |||
| Return on Equity | 30.04% | |||