2025-10-06T19:41:31-05:00 2024-12-31 954083485 TURNER WARREN HWANG & CONRAD ACCTCY 100 NORTH FIRST ST STE 202 BURBANK CA 91502 990 2024-01-01 941289802 HERITAGE COMMUNITY CREDIT UNION HERI 9163641700 PO BOX 790 RANCHO CORDOVA CA 95741 ED TURK PRESIDENT/CEO 9163641700 2025-09-30 1 1 NATALIE HULL CPA P00089332 8189549700 2024 2025-03-06 01:10:19Z ED TURK PO BOX 790 RANCHO CORDOVA CA 95741 17807677 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 48 14 24923 0 0 0 9987366 12417882 1128674 1368461 977654 2757940 12093694 16544283 18022 6828 0 0 4096660 4551007 0 0 0 7117621 10060613 11232303 14618448 861391 1925835 272972081 268126175 250095849 243308131 22876232 24818044 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. THE MISSION OF HERITAGE COMMUNITY CREDIT UNION (HCCU) IS TO EMPOWER OUR MEMBERS TO ACHIEVE THEIR FINANCIAL ASPIRATIONS BY PROVIDING PERSONALIZED BANKING SOLUTIONS THAT TURN DREAMS INTO REALITIES. 0 0 HCCU OFFERS A RANGE OF FINANCIAL PRODUCTS, INCLUDING CHECKING, SAVINGS, MONEY MARKET ACCOUNTS, AND SHARE CERTIFICATES, WITH COMPETITIVE DIVIDENDS. MEMBERS CAN CONVENIENTLY MANAGE AND FUND THEIR ACCOUNTS THROUGH ASSISTED AND VARIOUS SELF-SERVICE CHANNELS, INCLUDING BRANCHES, ATMS, THE CONTACT CENTER, ONLINE AND MOBILE BANKING, AND TRANSFERS VIA WIRE OR ZELLE. HCCU OFFERS AN ARRAY OF VALUE-DRIVEN LENDING PRODUCTS, INCLUDING REAL ESTATE, HOME EQUITY, FACTORY BUILT HOME, AUTO, RECREATIONAL VEHICLE, CREDIT CARD, PERSONAL, AND LINE OF CREDIT LOANS. ALL LOANS FEATURE COMPETITIVE, UP-TO-DATE INTEREST RATES DESIGNED TO MEET THE DIVERSE FINANCIAL NEEDS OF OUR MEMBERS. HCCU PROVIDES MEMBERS WITH OPPORTUNITIES TO INVEST IN THEIR FINANCIAL FUTURE THROUGH PROFESSIONAL INVESTMENT SERVICES. HCCU ALSO OFFERS A RANGE OF COMPREHENSIVE INSURANCE PRODUCTS, INCLUDING CREDIT LIFE, DISABILITY, HOME, LIFE, AND AUTO INSURANCE. 0 0 1 0 0 0 0 0 0 1 0 1 0 1 1 0 1 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 1 1 0 0 1 4086 0 1 48 1 1 1 0 0 0 0 0 0 0 X 7 7 0 0 0 0 1 1 0 1 1 0 1 1 1 1 1 1 1 1 1 1 0 CA X X MATT HARMS CFO 9163641700 PO BOX 790 RANCHO CORDOVA CA 95741 BOBBI K BEEHLER CHAIRPERSON 1.00 X 0 0 0 HARRY E HANNAN JR VICE-CHAIRPERSON 1.00 X 0 0 0 ALLAN F WISNICKY TREASURER 1.00 X 0 0 0 HUONG V VU SECRETARY 1.00 X 0 0 0 WILLIAM J WINDLE DIRECTOR 1.00 X 0 0 0 JOFIL BORJA 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 KEN EZEH 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 1562 0 0 PETER THOMSEN SUPV CMTE MEMBER 1.00 X 0 0 0 TINA KILGORE SUPV CMTE ASSOCIATE MEMBER 1.00 X 0 0 0 HENRY FAVRO SUPV CMTE ASSOCIATE MEMBER 1.00 X 0 0 0 ED TURK PRESIDENT/CEO 40.00 X 346133 0 52687 MATT HARMS CFO 40.00 X 177692 0 15810 CHRISTINE HAROLDSON CLO 40.00 X 184774 0 30353 CRAIG ENGSTROM VP MEMBER SERVICES 40.00 X 195329 0 27815 CHAD SUGGS VP INFORMATION TECHNOLOGY 40.00 X 172179 0 22738 NAOMI GILBERT CONTROLLER 40.00 X 120406 0 17015 RENEE MORGANSON LENDING MANAGER 40.00 X 105750 0 29163 1303825 0 195581 7 0 1 0 FISERV SOLUTIONS INC 600 N VEL R PHILLIPS AVE MILWAUKEE WI 53203 DEBIT & CREDIT CARD PROCESSING 342378 NCR CORPORATION PO BOX 740641 LOS ANGELES CA 90074 ONLINE & MOBILE BANKING 293816 UNITED SOLUTIONS COMPANY 1585 SUMMIT LAKE DRIVE STE 300 TALLAHASSEE FL 32317 SERVER HOSTING 236108 SALESFORCE INC SALESFORCE TOWER PO BOX 203141 DALLAS TX 753203141 CUSTOMER RELATIONSHIP MANAGEMENT SYSTEM 209777 VISA PO BOX 742233 LOS ANGELES CA 900742233 PAYMENT CARD SERVICES 138252 8 INTEREST ON LOANS 522100 11351518 11351518 FEE INCOME 522100 1066364 1041441 24923 12417882 1070427 1070427 1561428 1263394 298034 298034 298034 GAIN ON EQUITY AND TRA 522100 1748934 1748934 OTHER INCOME 522100 946423 946423 GAIN ON SALE OF LOANS 522100 55621 55621 6962 6962 2757940 16544283 16519360 24923 0 6828 1303825 2419355 123712 412642 291473 22466 70800 863007 290874 831708 684197 562331 16581 37337 3836041 118682 63196 CREDIT LOSS EXPENSE 2210449 LOAN SERVICING EXPENSE 261351 MISCELLANEOUS NON-INTER 155459 OPERATING FEES 36134 14618448 1484393 1410086 28613057 20191817 501360 1117353 3887619 2776943 1848264 1110676 1313266 1364015 228853606 232013309 10358135 10918919 272972081 268126175 3002463 2859177 2000000 2000000 245093386 238448954 250095849 243308131 X 0 0 0 0 22876232 24818044 22876232 24818044 272972081 268126175 1925835 15977 0 X X 0 1 X 1 0 2000 2000 2000 1 CCUL - PAC 2855 E GUASTI ROAD ONTARIO CA 91761 940357265 2000 PART I-A, LINE 1: CONTRIBUTION TO CALIFORNIA CREDIT UNION LEAGUE TO PROMOTE TRADE INFORMATION PERTAINING TO CREDIT UNIONS. 1739644 1739644 0 1056449 841858 214591 1091526 195441 896085 1110676 NET LOANS & LEASES 227902868 C PERPETUAL CONTRIBUTED CAPITAL 1000000 C ALL OTHER INVESTMENTS 889100 C NCUA SHARE INSURANCE CAPITALIZATION DEPOSIT 2221341 C 232013309 MEMBER SHARES OF ALL TYPES 228697829 NONMEMBER DEPOSITS 9751125 238448954 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, 2024 AND 2023, 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. X 1 1 X X 0 1 0 ED TURK PRESIDENT/CEO 330562 0 7982 0 7589 0 35848 0 16839 0 398820 0 0 0 MATT HARMS CFO 176202 0 0 0 1490 0 14394 0 1416 0 193502 0 0 0 CHRISTINE HAROLDSON CLO 178319 0 4080 0 2375 0 14997 0 15356 0 215127 0 0 0 CRAIG ENGSTROM VP MEMBER SERVICES 188331 0 6433 0 565 0 15850 0 11965 0 223144 0 0 0 CHAD SUGGS VP INFORMATION TECHNOLOGY 166748 0 4683 0 748 0 13810 0 8928 0 194917 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 XII,LINE 2C: THE ORGANIZATION HAS NOT CHANGED EITHER ITS OVERSIGHT PROCESS OR SELECTION PROCESS DURING THE TAX YEAR. MATHER FINANCIAL SERVICES PO BOX 790 RANCHO CORDOVA CA 957410790 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