RANCHO CORDOVA, CA
4 risk indicators measuring financial stability and operational resilience
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Sign In — Free (10 views/day)HERITAGE COMMUNITY CREDIT UNION, founded in 1999, is a mid-sized nonprofit that reported $16.5M in total revenue in fiscal year 2024. Revenue surged 37% from the prior year, signaling strong growth momentum. Expenses of $14.6M left a modest 12% surplus.
HERITAGE COMMUNITY CREDIT UNION IS A COOPERATIVE, ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS AMONG ITS MEMBERS, CREATING A SOURCE OF CREDIT FOR THEM AT RATES OF INTEREST SET BY THE BOARD OF DIRECTORS, AND PROVIDING AN OPPORTUNITY FOR THEM TO USE AND CONTROL THEIR OWN MONEY ON A DEMOCRATIC BASIS IN ORDER TO IMPROVE THEIR ECONOMIC AND SOCIAL CONDITIONS. AS A COOPERATIVE, HERITAGE COMMUNITY CREDIT UNION CONDUCTS ITS BUSINESS FOR THE MUTUAL BENEFIT AND GENERAL WELFARE OF ITS MEMBERS WITH THE EARNINGS, SAVINGS, BENEFITS, OR SERVICES OF THE CREDIT UNION BEING DISTRIBUTED TO ITS MEMBERS AS PATRONS. THE MISSION OF HERITAGE COMMUNITY CREDIT UNION (HCCU) IS TO EMPOWER OUR MEMBERS TO ACHIEVE THEIR FINANCIAL ASPIRATIONS BY PROVIDING PERSONALIZED BANKING SOLUTIONS THAT TURN DREAMS INTO REALITIES.
HCCU OFFERS A RANGE OF FINANCIAL PRODUCTS, INCLUDING CHECKING, SAVINGS, MONEY MARKET ACCOUNTS, AND SHARE CERTIFICATES, WITH COMPETITIVE DIVIDENDS. MEMBERS CAN CONVENIENTLY MANAGE AND FUND THEIR...
HCCU OFFERS A RANGE OF FINANCIAL PRODUCTS, INCLUDING CHECKING, SAVINGS, MONEY MARKET ACCOUNTS, AND SHARE CERTIFICATES, WITH COMPETITIVE DIVIDENDS. MEMBERS CAN CONVENIENTLY MANAGE AND FUND THEIR ACCOUNTS THROUGH ASSISTED AND VARIOUS SELF-SERVICE CHANNELS, INCLUDING BRANCHES, ATMS, THE CONTACT CENTER, ONLINE AND MOBILE BANKING, AND TRANSFERS VIA WIRE OR ZELLE.
HCCU OFFERS AN ARRAY OF VALUE-DRIVEN LENDING PRODUCTS, INCLUDING REAL ESTATE, HOME EQUITY, FACTORY BUILT HOME, AUTO, RECREATIONAL VEHICLE, CREDIT CARD, PERSONAL, AND LINE OF CREDIT LOANS. ALL LOANS...
HCCU OFFERS AN ARRAY OF VALUE-DRIVEN LENDING PRODUCTS, INCLUDING REAL ESTATE, HOME EQUITY, FACTORY BUILT HOME, AUTO, RECREATIONAL VEHICLE, CREDIT CARD, PERSONAL, AND LINE OF CREDIT LOANS. ALL LOANS FEATURE COMPETITIVE, UP-TO-DATE INTEREST RATES DESIGNED TO MEET THE DIVERSE FINANCIAL NEEDS OF OUR MEMBERS.
HCCU PROVIDES MEMBERS WITH OPPORTUNITIES TO INVEST IN THEIR FINANCIAL FUTURE THROUGH PROFESSIONAL INVESTMENT SERVICES. HCCU ALSO OFFERS A RANGE OF COMPREHENSIVE INSURANCE PRODUCTS, INCLUDING CREDIT...
HCCU PROVIDES MEMBERS WITH OPPORTUNITIES TO INVEST IN THEIR FINANCIAL FUTURE THROUGH PROFESSIONAL INVESTMENT SERVICES. HCCU ALSO OFFERS A RANGE OF COMPREHENSIVE INSURANCE PRODUCTS, INCLUDING CREDIT LIFE, DISABILITY, HOME, LIFE, AND AUTO INSURANCE.
Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency
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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)
Sign In — Free (10 views/day)| 2024 | 2023 | Change | |
|---|---|---|---|
| Revenue | $16,544,283 | $12,093,694 | +0.4% |
| Expenses | $14,618,448 | $11,232,303 | +0.3% |
| Net Income | $1,925,835 | $861,391 | +1.2% |
Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics
Financial Distress Indicator
Liquidity & Cash Position
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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics
Sign In| Name | Title | Hours/Week | Role | Reportable Comp | Other Comp | Total |
|---|---|---|---|---|---|---|
| BOBBI K BEEHLER | CHAIRPERSON | 1.00 |
Director
|
$0 | $0 | $0 |
| HARRY E HANNAN JR | VICE-CHAIRPERSON | 1.00 |
Director
|
$0 | $0 | $0 |
| ALLAN F WISNICKY | TREASURER | 1.00 |
Director
|
$0 | $0 | $0 |
| HUONG V VU | SECRETARY | 1.00 |
Director
|
$0 | $0 | $0 |
| WILLIAM J WINDLE | DIRECTOR | 1.00 |
Director
|
$0 | $0 | $0 |
| JOFIL BORJA | DIRECTOR | 1.00 |
Director
|
$0 | $0 | $0 |
| KEVIN QUAINTANCE | DIRECTOR | 1.00 |
Director
|
$0 | $0 | $0 |
| TAMMY DAVIS | ASSOCIATE BOARD MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| KEN EZEH | ASSOCIATE BOARD MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| SHARON HANNAN | SUPV CMTE CHAIRPERSON | 1.00 |
Director
|
$0 | $0 | $0 |
| ROBERT L COLLINS | SUPV CMTE SECRETARY | 1.00 |
Director
|
$1,562 | $0 | $1,562 |
| PETER THOMSEN | SUPV CMTE MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| TINA KILGORE | SUPV CMTE ASSOCIATE MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| HENRY FAVRO | SUPV CMTE ASSOCIATE MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| ED TURK | PRESIDENT/CEO | 40.00 |
Officer
|
$346,133 | $52,687 | $398,820 |
| MATT HARMS | CFO | 40.00 |
Officer
|
$177,692 | $15,810 | $193,502 |
| CHRISTINE HAROLDSON | CLO | 40.00 |
Officer
|
$184,774 | $30,353 | $215,127 |
| CRAIG ENGSTROM | VP MEMBER SERVICES | 40.00 |
Key Emp
|
$195,329 | $27,815 | $223,144 |
| CHAD SUGGS | VP INFORMATION TECHNOLOGY | 40.00 |
Key Emp
|
$172,179 | $22,738 | $194,917 |
| NAOMI GILBERT | CONTROLLER | 40.00 |
Highest
|
$120,406 | $17,015 | $137,421 |
| RENEE MORGANSON | LENDING MANAGER | 40.00 |
Highest
|
$105,750 | $29,163 | $134,913 |
| Year | Revenue | Expenses | Assets | Net Income |
|---|---|---|---|---|
| 2024 | $16,544,283 | $14,618,448 | $268,126,175 | $1,925,835 |
| 2023 | $12,093,694 | $11,232,303 | $272,972,081 | $861,391 |
| 2022 | $9,071,810 | $8,603,886 | $266,034,241 | $467,924 |
| 2021 | $8,680,088 | $7,635,259 | $248,959,506 | $1,044,829 |
| 2020 | $9,631,794 | $9,606,176 | $237,087,164 | $25,618 |
| 2019 | $9,534,573 | $8,493,730 | $216,600,957 | $1,040,843 |
| 2018 | $9,135,177 | $8,384,237 | $213,864,595 | $750,940 |
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