Heritage Community
Heritage Community is a credit union based in Rancho Cordova, California, established in 1953, with $283 million in total assets serving 10,041 members. By Trust Grade it ranks 159th of 241 credit unions we track in California. Its net worth ratio of 9.8% trails most similarly sized credit unions (28th percentile), versus a California median of 11.1%. It was profitable over the most recent period, with a 0.29% return on assets. No consumer complaints against Heritage Community appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Heritage Community compares to California peers
How we graded Heritage Community
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (9.8% capital ratio)
- Profitable (ROA 0.29%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Heritage Community over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Heritage Community insured?
Yes. Heritage Community is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Heritage Community: frequently asked questions
Is Heritage Community a good credit union?
Heritage Community earns a Bankzia Trust Grade of B (84/100, "Strong"), based on a financial-strength score of 84/100 (it has no CFPB complaints on record). Well-capitalized (9.8% capital ratio); Profitable (ROA 0.29%).
Is Heritage Community NCUA-insured?
Yes. Heritage Community is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Heritage Community?
Heritage Community holds $283 million in total assets, ranking 159th of 241 credit unions we track in California. It serves 10,041 members.
Does Heritage Community have CFPB complaints?
No CFPB complaints against Heritage Community appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
