Heritage Community
Rancho Cordova, CA · Charter 68395 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 4 branches
Q2 2026
$283.4MAssets
$243.8MLoans
$252.3MShares
$27.8MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 48% of credit unions under $1B in assets in CA (rank 34 of 63).
- Widest gap: net interest margin trails 73% of credit unions under $1B in assets in CA (rank 46 of 63).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
0.31%
Rank 43 of 63
Net Interest Margin
3.26%
Rank 46 of 63
Efficiency Ratio
81.71%
Rank 34 of 63
Equity / Assets
9.81%
Rank 36 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.31% | 0.17% | 0.56% | 1.17% | Beats 32% | 43 / 63 | |
| Return on Equity | 3.11% | 1.81% | 4.79% | 8.64% | Beats 32% | 43 / 63 | |
| Net Interest Margin | 3.26% | 3.18% | 3.49% | 3.98% | Beats 27% | 46 / 63 | |
| Efficiency Ratio | 81.71% | 70.58% | 81.25% | 89.21% | Beats 48% | 34 / 63 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.75% | 0.17% | 0.42% | 0.85% | Beats 31% | 44 / 62 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.81% | 8.61% | 10.56% | 14.01% | Beats 43% | 36 / 63 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.81% | 8.61% | 10.56% | 14.01% | Beats 43% | 36 / 63 | |
| Liquidity & Funding |
| Loans / Deposits | 96.64% | 53.46% | 72.75% | 85.33% | 94th pctl | 4 / 62 | |
| Loans / Assets | 86.01% | 46.35% | 58.08% | 72.17% | 98th pctl | 1 / 63 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |