HERITAGE COMMUNITY
Charter #68395 · Rancho Cordova, CA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 10,041 sits at the 11th percentile of structural peers — worth a closer look.
- Return on average assets of 0.29% sits at the 21st percentile of structural peers — worth a closer look.
- Net interest margin of 3.28% sits at the 15th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 33rd percentile but its structural peers at the 11th — a 21-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | HERITAGE COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $282.60M | 71th pct | 52th pct |
| Members | 10,041 | 33th pct | 11th pct |
| Net worth ratio | 9.76% | 25th pct | 41th pct |
| Return on average assets | 0.29% | 22th pct | 21th pct |
| Net interest margin | 3.28% | 28th pct | 15th pct |
| Cost of funds | 1.64% | 74th pct | 54th pct |
| Loan-to-share | 95.62% | 96th pct | 90th pct |
| Delinquency 60+ days | 0.64% | 53th pct | 61th pct |
| Net charge-off ratio | 0.44% | 57th pct | 59th pct |
| Loan growth YoY | 5.43% | 88th pct | 85th pct |
| Share growth YoY | 2.01% | 27th pct | 33th pct |
| Efficiency ratio | 83.79% | 69th pct | 52th pct |
structural peer set hash: 65a8d6a1510ef9f48d3d41ae465f746c… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.