PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Heritage Community

Rancho Cordova, CA · Charter 68395

NCUA · 4 branches

Q2 2026

$283.4MAssets
$243.8MLoans
$252.3MShares
$27.8MNet Worth

Executive Summary

  • Earnings: ROA of 0.31%, up 15 bps year over year; NIM at 3.26%.
  • Asset quality: problem loans at 0.75% of loans (+6 bps YoY).
  • Capital: net worth / assets of 9.81%, up 5 bps from a year ago.
  • Funding: loans stand at 96.64% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.31%+15 bps YoY

Net Interest Margin (YTD, annualized)

3.26%+4 bps YoY

Efficiency Ratio (YTD, annualized)

81.70%+198 bps YoY

Net Worth / Assets

9.81%+5 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.98%0.72%0.18%0.15%0.23%0.20%0.29%0.31%+15 bps
Return on Equity9.67%7.17%1.85%1.57%2.29%2.02%2.93%3.11%+155 bps
Net Interest Margin3.19%3.20%3.25%3.22%3.25%3.25%3.26%3.26%+4 bps
Efficiency Ratio66.66%67.45%80.93%79.73%79.21%80.28%83.79%81.70%+198 bps
Growth
Asset Growth (YoY)0.06%-1.78%-1.60%1.73%4.24%3.86%3.13%2.31%+58 bps
Loan Growth (YoY)1.13%1.71%-1.45%-3.70%2.73%7.73%5.32%9.88%+1,357 bps
Share Growth (YoY)-0.90%-2.71%-1.41%1.93%4.61%4.07%3.32%2.22%+29 bps
Asset Quality
Delinquent Loans / Loans0.70%0.73%0.47%0.69%0.64%0.64%0.64%0.75%+6 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.10%10.01%9.85%9.77%9.84%9.83%9.76%9.81%+5 bps
Net Worth / Assets10.10%10.01%9.85%9.77%9.84%9.83%9.76%9.81%+5 bps
Liquidity & Funding
Loans / Shares94.22%96.73%93.80%89.90%92.53%100.13%95.62%96.64%+673 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps