Heritage Community Credit Union
Weiss Ratings
Heritage Community Credit Union
Sacramento, CA
Sacramento, CA
Low
Heritage Community Credit Union
Industry Average
High
Asset Quality Index
8.90
0.00
10.00
Capitalization Index
6.00
0.00
10.00
Liquidity Index
2.50
0.20
9.60
Profitability Index
4.00
0.00
10.00
Stability Index
4.80
0.00
10.00
Asset Quality
Heritage Community Credit Union
Sacramento, CA
Sacramento, CA
Low
Heritage Community Credit Union
Industry Average
High
1-Year Asset Growth
2.61%
< 0.00%
> 10.00%
5-Year Asset Growth
5.00%
< 0.00%
> 20.00%
5-Year Charge-Offs to Average Loans
0.55%
< 0.00%
> 10.00%
Charge-Offs to Average Loans
0.21%
< 0.00%
> 10.00%
Non-Performing Assets to Assets
0.34%
0.00%
> 10.00%
Non-Performing Loans to Capital
3.76%
0.00%
> 20.00%
Non-Performing Loans to Loans
0.34%
0.00%
> 10.00%
Balance Sheet
Heritage Community Credit Union
Sacramento, CA
Sacramento, CA
Low
Heritage Community Credit Union
Industry Average
High
Total Assets
272.97M
< 243.22M
> 972.87M
Total Deposits
245.09M
< 202.88M
> 811.53M
Capital and Reserves
Heritage Community Credit Union
Sacramento, CA
Sacramento, CA
Low
Heritage Community Credit Union
Industry Average
High
Capital
22.88M
< 22.19M
> 88.77M
Leverage Ratio
9.14
0.06
> 30.00
Loan Loss Reserves to Loans
0.88%
0.00%
> 10.00%
Risk-Based Capital Ratio
8.38
< 0.00
> 30.00
Liquidity
Heritage Community Credit Union
Sacramento, CA
Sacramento, CA
Low
Heritage Community Credit Union
Industry Average
High
Hot Money Ratio
12.21%
0.00%
> 20.00%
Liquidity Ratio
8.97%
0.51%
> 60.00%
Profitability
Heritage Community Credit Union
Sacramento, CA
Sacramento, CA
Low
Heritage Community Credit Union
Industry Average
High
5-Year Return on Average Assets
0.29%
< 0.00%
> 10.00%
Net Income
861.00K
< 861.00K
> 6.55M
Net Interest Spread
3.12%
< 0.00%
> 10.00%
Operating Profit to Average Assets
0.67%
< 0.00%
> 10.00%
Overhead Efficiency Ratio
81.22%
< 40.00%
> 170.00%
Return on Assets
0.32%
< 0.00%
> 10.00%
Return on Equity
3.80%
< 0.00%
> 20.00%
