2023-08-29T19:12:53-05:00 2022-12-31 954083485 TURNER WARREN HWANG & CONRAD ACCTCY 100 NORTH FIRST ST STE 202 BURBANK CA 91502 990 2022-01-01 941289802 HERITAGE COMMUNITY CREDIT UNION HERI 9163641700 PO BOX 790 RANCHO CORDOVA CA 95741 ED TURK PRESIDENT/CEO 9163641700 2023-08-23 1 ED TURK 999009999 0 VALENTINO CREUS CPA P01054153 8189549700 0 AAL1 IAL1 2022 2023-04-26 12:10:37Z ED TURK PO BOX 790 RANCHO CORDOVA CA 95741 9071810 0 X WWW.HERITAGECCU.COM X CREDIT UNION 1999 CA A COOPERATIVE ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS AMONG ITS MEMBERS. 7 7 54 12 19827 1454 0 0 8521581 7301293 158507 492801 0 1277716 8680088 9071810 0 7535 0 0 3479746 4007689 0 0 0 4155513 4588662 7635259 8603886 1044829 467924 248959506 266034241 227316483 243969882 21643023 22064359 X SEE SCHEDULE OHERITAGE COMMUNITY CREDIT UNION IS A COOPERATIVE, ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS AMONG ITS MEMBERS, CREATING A SOURCE OF CREDIT FOR THEM AT RATES OF INTEREST SET BY THE BOARD OF DIRECTORS, AND PROVIDING AN OPPORTUNITY FOR THEM TO USE AND CONTROL THEIR OWN MONEY ON A DEMOCRATIC BASIS IN ORDER TO IMPROVE THEIR ECONOMIC AND SOCIAL CONDITIONS. AS A COOPERATIVE, HERITAGE COMMUNITY CREDIT UNION CONDUCTS ITS BUSINESS FOR THE MUTUAL BENEFIT AND GENERAL WELFARE OF ITS MEMBERS WITH THE EARNINGS, SAVINGS, BENEFITS, OR SERVICES OF THE CREDIT UNION BEING DISTRIBUTED TO ITS MEMBERS AS PATRONS. 0 0 HERITAGE OFFERS CHECKING, SAVINGS, MONEY MARKET, AND SHARE CERTIFICATES WITH MINIMAL OR NO COST TO MEMBERS WHILE PAYING OUT COMPETITIVE DIVIDENDS. MEMBERS CAN ACCESS FUNDS THROUGH OUR BRANCHES, CONTACT CENTER, ONLINE AND MOBILE BANKING, DEBIT CARDS, AND TRANSFERS THROUGH WIRE OR ZELLE. HERITAGE HAS A VARIETY OF AFFORDABLE LOAN OPTIONS FOR HOMES, AUTOMOBILES, RECREATIONAL VEHICLES, MANUFACTURED RESIDENCES, PERSONAL USE, AND LINES OF CREDIT. ALL LOANS FEATURE CURRENT AND COMPETITIVEINTEREST RATES. HERITAGE PROVIDES OPPORTUNITIES FOR THOSE LOOKING TO INVEST IN THEIR FINANCIAL FUTURE VIA RETIREMENT, BROKERAGE ACCOUNTS, AND COMPREHENSIVE INSURANCE OPTIONS. 0 0 0 0 0 0 0 0 0 1 0 1 0 1 0 0 0 0 0 0 0 0 0 0 0 0 1 0 1 0 0 0 0 0 0 0 0 0 0 0 1 1 0 0 1 3378 0 1 54 1 1 1 0 0 0 0 0 0 0 0 0 X 7 7 0 0 0 0 1 1 0 1 1 0 0 1 1 1 1 1 1 1 1 0 CA X MATT HARMS CFO 9163641700 PO BOX 790 RANCHO CORDOVA CA 95741 BOBBI BEEHLER CHAIRPERSON 1.00 X 0 0 0 HARRY HANNAN VICE-CHAIRMAN 1.00 X 0 0 0 ALLAN F WISNICKY TREASURER 1.00 X 0 0 0 WILLIAM J WINDLE SECRETARY 1.00 X 0 0 0 JOFIL BORJA DIRECTOR 1.00 X 1144 0 0 HUONG VU DIRECTOR 1.00 X 0 0 0 KEVIN QUAINTANCE DIRECTOR 1.00 X 0 0 0 TAMMY DAVIS ASSOCIATE BOARD MEMBER 1.00 X 0 0 0 SHARON HANNAN SUPV CMTE CHAIRPERSON 1.00 X 0 0 0 ROBERT L COLLINS SUPV CMTE SECRETARY 1.00 X 771 0 0 JUDY HOOVER SUPV CMTE MEMBER 1.00 X 0 0 0 PETER THOMSEN SUPV CMTE ASSOCIATE MEMBER 1.00 X 0 0 0 ED TURK PRESIDENT/CEO 40.00 X 330474 0 16632 MATT HARMS CFO 40.00 X 172229 0 7175 CHRISTINE HAROLDSON CHIEF LENDING OFFICER 40.00 X 178281 0 11706 CRAIG ENGSTROM VP MEMBER SERVICES 40.00 X 186654 0 11698 CHAD SUGGS VP INFORMATION TECHNOLOGY 40.00 X 167878 0 10897 NAOMI GILBERT CONTROLLER 40.00 X 106650 0 8956 1144081 0 67064 6 0 1 0 UNITED SOLUTIONS COMPANY 1585 SUMMIT LAKE DRIVE STE 300 TALLAHASSEE FL 32317 SERVER HOSTING 276486 NCR CORPORATION PO BOX 740641 LOS ANGELES CA 90074 ONLINE & MOBILE BANKING 274400 QUEST PO BOX 430 ROSEVILLE CA 95678 NETWORK SUPPORT 136638 US TELEPACIFIC CORP PO BOX 509013 SAN DIEGO CA 921509013 TELECOMMUNICATIONS 119279 KASASA LTD PO BOX 527 LUBBOCK TX 79408 CHECKING ACCOUNT SERVICES 107613 5 INTEREST ON LOANS 522100 6396761 6396761 FEE INCOME 522100 904532 884705 19827 7301293 492801 492801 OTHER INCOME 522100 950607 950607 OTHER NON-INTEREST INC 522100 182715 182715 PROVISION FOR LOAN & L 522100 119357 119357 25037 25037 1277716 9071810 9051983 19827 0 X 7535 1144081 2243648 92112 272957 254891 16071 88350 1017425 225468 967000 366518 461867 24063 12329 751594 271814 64594 LOAN SERVICING EXPENSE 149891 MISCELLANEOUS NON-INTER 127263 REGULATORY FEES 33795 FORECLOSED TAX MEDALLIO 10620 8603886 1092242 1505113 54969517 33989189 3400193 176280323 586816 466020 7372491 5173812 1645083 2198679 794630 1269053 2124332 214410573 8066370 12195614 248959506 266034241 1792856 2741392 2000000 2000000 223523627 239228490 227316483 243969882 X 0 0 0 0 21643023 22064359 21643023 22064359 248959506 266034241 467924 -46588 0 X X 0 1 X 1 0 1197 1197 1197 1 CCUL - PAC 2855 E GUASTI ROAD ONTARIO CA 91761 940357265 1197 PART I-A, LINE 1: CONTRIBUTION TO CALIFORNIA CREDIT UNION LEAGUE TO PROMOTE TRADE INFORMATION PERTAINING TO CREDIT UNIONS. 175000 175000 2430198 1348836 1081362 2494369 1714674 779695 2272924 2110302 162622 2198679 NET LOANS & LEASES 210589887 C PERPETUAL CONTRIBUTED CAPITAL 1000000 C ALL OTHER INVESTMENTS 609400 C NCUA SHARE INSURANCE CAPITALIZATION DEPOSIT 2211286 C 214410573 MEMBER SHARES OF ALL TYPES 239228490 239228490 X PART X, LINE 2: FASB ASC 740-10-65, INCOME TAXES, PROVIDES GUIDANCE FOR HOW UNCERTAIN TAX POSITIONS SHOULD BE RECOGNIZED, MEASURED, DISCLOSED AND PRESENTED IN THE CONSOLIDATED FINANCIAL STATEMENTS. THIS REQUIRES THE EVALUATION OF TAX POSITIONS TAKEN OR EXPECTED TO BE TAKEN IN THE COURSE OF PREPARING THE CREDIT UNION'S TAX RETURNS TO DETERMINE WHETHER THE TAX POSITIONS ARE "MORE LIKELY THAN NOT" OF BEING SUSTAINED "WHEN CHALLENGED OR "WHEN EXAMINED" BY THE APPLICABLE TAX AUTHORITY. TAX POSITIONS DEEMED TO NOT MEET THE MORE-LIKELY-THAN-NOT THRESHOLD SHOULD BE RECORDED AS A TAX EXPENSE AND LIABILITY IN THE CURRENT YEAR. FOR THE YEARS ENDED DECEMBER 31, 2022 AND 2021, MANAGEMENT HAS DETERMINED THAT THERE ARE NO MATERIAL UNCERTAIN TAX POSITIONS, AND ACCORDINGLY, THE CREDIT UNION HAS NOT RECORDED A LIABILITY FOR THE PAYMENT OF INTEREST OR PENALTIES. 1 FOLSOM CHAMBER OF COMMERCE 200 WOOL ST FOLSOM CA 95630 941573092 501(C)(6) 7535 0 FMV TO ASSIST IN PROMOTING THE CIVIC, BUSINESS AND ECONOMIC WELL BEING AND GENERAL WELL BEING OF THE FOLSOM AREA. 0 1 X 1 1 X X 0 1 0 ED TURK PRESIDENT/CEO 273050 0 35582 0 21842 0 12200 0 4432 0 347106 0 0 0 MATT HARMS CFO 159275 0 5000 0 7954 0 6604 0 571 0 179404 0 0 0 CHRISTINE HAROLDSON CHIEF LENDING OFFICER 157669 0 11067 0 9545 0 6977 0 4729 0 189987 0 0 0 CRAIG ENGSTROM VP MEMBER SERVICES 170178 0 8364 0 8112 0 7227 0 4471 0 198352 0 0 0 CHAD SUGGS VP INFORMATION TECHNOLOGY 150721 0 9916 0 7241 0 6427 0 4470 0 178775 0 0 0 PART I, LINE 4B ED TURK, PRESIDENT/CEO, PARTICIPATES IN A SECTION 457(F) SUPPLEMENTAL NONQUALIFIED RETIREMENT PLAN. THE PLAN IS UNFUNDED AND NO CONTRIBUTIONS OR DISTRIBUTIONS OCCURRED DURING THE YEAR. FORM 990, PART VI, SECTION A, LINE 6 HERITAGE COMMUNITY CREDIT UNION IS A COOPERATIVE FINANCIAL INSTITUTION THAT IS OWNED AND CONTROLLED BY ITS MEMBERS, AND OPERATED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS TO ITS MEMBERS. HERITAGE COMMUNITY CREDIT UNION DOES NOT HAVE STOCKHOLDERS. FORM 990, PART VI, SECTION A, LINE 7A THE GOVERNING BOARD OF HERITAGE COMMUNITY CREDIT UNION IS COMPRISED OF VOLUNTEER MEMBERS WHO ARE DIRECTLY ELECTED BY ITS MEMBERS. EACH MEMBER OF THE GOVERNING BOARD SERVES FOR A PERIOD AS PRESCRIBED BY ITS BY-LAWS. FORM 990, PART VI, SECTION B, LINE 11B THE 990 WAS REVIEWED BY MANAGEMENT AND PROVIDED TO THE BOARD OF DIRECTORS PRIOR TO FILING. FORM 990, PART VI, SECTION B, LINE 12C THE BOARD OF DIRECTORS ANNUALLY ADOPTS THE BOARD GOVERNANCE MANUAL, WHICH INCLUDES A CONFLICT OF INTEREST POLICY. MONITORING OF THE CONFLICT OF INTEREST POLICY IS CONDUCTED THROUGH AN ANNUAL POLICY REVIEW. STAFF MEMBERS ARE REQUIRED EACH YEAR TO REVIEW AND SIGN THE CONFLICT OF INTEREST POLICY LOCATED WITHIN THE EMPLOYEE HANDBOOK. AT THE POINT OF A POTENTIAL CONFLICT FOR A BOARD MEMBER, A PEER REVIEW IS CONDUCTED. ENFORCEMENT OF THE CONFLICT OF INTEREST POLICY FOR BOARD MEMBERS AND STAFF IS BASED ON A REVIEW OF POTENTIAL CONFLICTS AND, IF A CONFLICT EXISTS, MEDIATION OCCURS. FORM 990, PART VI, SECTION B, LINE 15 COMPARABLE SALARY DATA IS ACQUIRED FROM MULTIPLE SOURCES. THE CHAIRMAN REVIEWS THE INFORMATION WITH THE DIRECTORS TO DETERMINE AND SUBSTANTIATE COMPENSATION. FORM 990, PART VI, SECTION C, LINE 19 MONTHLY FINANCIAL STATEMENTS ARE DISPLAYED IN EACH BRANCH. OTHER DOCUMENTS ARE AVAILABLE UPON REQUEST. FORM 990, PART IX, LINE 11G OTHER PROFESSIONAL FEES 1,017,425. FORM 990,PART XII,LINE 2C THE ORGANIZATION HAS NOT CHANGED EITHER ITS OVERSIGHT PROCESS OR SELECTION PROCESS DURING THE TAX YEAR. MATHER FINANCIAL SERVICES 10415 OLD PLACERVILLE ROAD SACRAMENTO CA 95827 680109727 CUSO (INACTIVE) CA HERITAGE COMMUNITY CREDIT UNION C 1.00000 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0