Heritage Community Credit Union
Major Rating Factors:
A current level of 5.7 percent of nonperforming loans to core capital combined with 2.4 percent from a year earlier contributes to the Excellent asset quality (8.2). Good current capitalization (6.4 on a scale of 0 to 10) based on a net capital to total assets of 8.9 and a net worth ratio of 9.6.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 2.6 has resulted in Fair (4.0) profitability.
Asset Mix:
Home mtgs (25%), consumer loans (23%), other (52%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
10415 Old Placerville Road
Sacramento, CA 95827
Sacramento, CA 95827
Phone Number
(916) 364-1700
NCUA Charter Number
Website
Largest Competitors
Sacramento, CA
Sacramento, CA
Sacramento, CA
Sacramento, CA
Sacramento, CA
