2018-05-04T13:04:00-06:00 2017-12-31 990 2017-01-01 941289802 Heritage Community Credit Union % Ed Turk HERI 9163641700 PO Box 790 Rancho Cordova CA 95741 ED TURK President CEO 9163641700 2018-05-04 2017 2022-09-23 18:48:47Z ED TURK 10415 Old Placerville Rd Sacramento CA 95827 8232844 false X www.heritageccu.com X 1953 CA Provide thrift loans and financial services for Sacramento and Placer Counties 7 7 62 12 0 0 8377114 8232844 0 0 8377114 8232844 0 0 3250664 3315920 0 0 6380367 4909980 9631031 8225900 -1253917 6944 202426833 203491580 183699241 184753956 18727592 18737624 Provide thrift, loans and financial services for Sacramento and Placer Counties false false 2079347 5559579 Consumer and Real Estate loans to members of credit union 1418481 2085538 Savings, Checking and IRA deposit accounts for members of credit union 3497828 false false false false false false false false false false true false false false true true true false false false false false false false false false false false false true false false false false false false false false false false false false false false false false true X 2840 0 true 62 true false false false false false false false X 7 7 true false false false true true false true true false false true true true true true true true true false X X Heritage Community Credit Union 9163641700 10415 Old Placerville Rd Sacramento CA 95827 WILLIAM WINDLE CHAIRMAN 1 X X 0 0 0 HARRY HANNAN VICE CHAIRMAN 1 X X 0 0 0 ALLAN WISNICKY TREASURER 1 X X 0 0 0 NICHOLAS NGANGA SECRETARY 1 X X 0 0 0 DANIEL FREEMAN DIRECTOR 1 X 0 0 0 JOFIL BORJA DIRECTOR 1 X 0 0 0 GEQIGULA DLAMINI DIRECTOR 1 X 0 0 0 EDWARD TURK PRESIDENT CEO 40 X 251130 0 0 MATHEW HARMS CFO 40 X 140908 0 0 CHRISTINE HAROLDSON CLO VP 40 X 154704 0 0 CHAD SUGGS VP OF IT 40 X 147332 0 0 MARIANNA SAMLIK AVP CONTROLLER 40 X 111545 0 0 805619 5 false true false IBG INC 4980 Golden Foothills Parkway Ste 8 EL DORADO HILLS CA 95762 CONSTRUCTION 415015 FISERV SOLUTION INC PO Box 80123 CITY OF INDUSTRY CA 91716 DATASAFE ONLINE 268835 NCR CORPORATION PO Box 740641 LOS ANGELES CA 90074 BILL PMT SERVICE 252888 3 ConsumerRE Lending 522291 5559980 5559980 Deposit accounts 522100 2085538 1892950 192588 NonOperating Gain 522299 45440 45440 Investments 523000 541886 541886 8232844 8232844 7498370 734474 X 546743 1886330 88437 541669 252741 33397 574128 219093 975600 254844 422127 72916 431535 53101 216753 73523 Provision for Loan Losses 1359454 223509 8225900 0 0 0 1880792 1848511 26007231 19639926 3419279 3038399 156809046 163970166 394586 423106 6561266 3728529 2679518 2832737 1865102 1486590 2121952 2695483 7249327 7556662 202426833 203491580 5446860 1124698 178252381 183629258 183699241 184753956 X 18727592 18737624 18727592 18737624 202426833 203491580 6944 -40187 43275 X false true X true false false false false false false 175000 175000 2415383 975538 1439845 1646778 932724 714054 2304383 1800545 503838 19722 19722 2832737 Agency Securities 1486590 F 1486590 NCUSIF other equity 2695483 C 2695483 Insurance Policies Accr Income 7556662 7556662 Member Shares 178162381 Member IRA Accounts 5466877 183629258 8462901 8462901 8462901 8455960 8455960 8455960 P10, Ln 2 The Credit Union recognizes the tax benefit from P10, Ln 2 uncertain tax positions only if it is more likely P10, Ln 2 than not that the tax positions will be sustained on P10, Ln 2 examination by the taxing authorities, P10, Ln 2 based on the technincal merits of the position. P10, Ln 2 The tax benefit is measured based on the largest P10, Ln 2 benefit that has a greater than 50% likelihood P10, Ln 2 of being realized upon ultimate settlement. P10, Ln 2 The Credit Union had no unrecognized tax benefit at P10, Ln 2 Dec 31, 2017 and 2016. The Credit Union recognizes P10, Ln 2 interest accrued and penalties related to unrecognized P10, Ln 2 tax benefits as an administrative expense. During P10, Ln 2 the years ended Dec 31 2017 and 2016, the Credit Union P10, Ln 2 recognized no interest or penalties. X true true false true false false false false false false false WILLIAM WINDLE CHAIRMAN HARRY HANNAN VICE CHAIRMAN ALLAN WISNICKY TREASURER NICHOLAS NGANGA SECRETARY DANIEL FREEMAN DIRECTOR JOFIL BORJA DIRECTOR GEQIGULA DLAMINI DIRECTOR EDWARD TURK PRESIDENT CEO 214857 18273 18000 16353 4273 271756 36000 MATHEW HARMS CFO 137700 3208 5213 679 146800 CHRISTINE HAROLDSON CLO VP 148600 6104 6188 9032 169924 CHAD SUGGS VP OF IT 135660 11672 5893 240 153465 MARIANNA SAMLIK AVP CONTROLLER 110179 1366 4462 1218 117225 Part VI Line 11b Form 990 was presented to the governing body by CEO on April 24, 2018. Part VI Line 11b The Board of Directors reviewed it, including all attached schedules. Part VI Line 19 The financial statements are displayed in every branch every month. Part VI Line 19 Other documents are available upon written request. Part IX Line 11g other professional fees Total expenses - $574128.00 Program service expenses - $0.00 Mgmt and general expenses - $0.00 Fundraising expenses - $0.00 Part IX Line 24e Loan Servicing Total expenses - $167689.00 Program service expenses - $0.00 Mgmt and general expenses - $0.00 Fundraising expenses - $0.00 Part IX Line 24e Debit Card losses Total expenses - $55820.00 Program service expenses - $0.00 Mgmt and general expenses - $0.00 Fundraising expenses - $0.00 Part V, line 3b All income is related to the credit union mission of providing thrift, Part V, line 3b thrift, loans and financial services Part VI, line 2 Vice Chairman of Board of Directors and Chair of Supervisory Part VI, line 2 Committee are married Part VI, line 6 The organization is a credit union and thus has member owners Part VI, line 7a The organization have members-owners who elect a volunteer Part VI, line 7a board from its members Part VI, line12c All directors are signing Code of Conduct form annually, Part VI, line12c that includes the conflict of interest policy Part VI, line12c Employees are signing it when hired or any changes are made Part VI, line12c HR dept keeps record of these forms Part VI, line 15 Salary data for CEO is acquired from mulitiple salary sources. Part VI, line 15 Data in similar asset category and geographical location Part VI, line 15 is used to establish a salary range, which is submited Part VI, line 15 to the Chairman of the Board of Directors who reviews Part VI, line 15 the information with all Directors. Directors will determine Part VI, line 15 any salary increase based on the performance evaluation.