Nonprofit · EIN 94-1289802
CREDIT UNIONS IN THE STATE OF CALIFORNIA
Also known as HERITAGE COMMUNITY CREDIT UNION
Tax-exempt · RNCHO CORDOVA, CA 95741
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $15,271,629 | $14,718,104 | $553,525 | $278,487,776 | $253,104,039 | $25,383,737 |
| December 31, 2024 | 990 | $16,544,283 | $14,618,448 | $1,925,835 | $268,126,175 | $243,308,131 | $24,818,044 |
| December 31, 2023 | 990 | $12,093,694 | $11,232,303 | $861,391 | $272,972,081 | $250,095,849 | $22,876,232 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $12,932,191
- Investment income
- $1,267,164
- Net gain from sales of assets
- $515
- Other revenue
- $1,072,274
Expenses
- Grants and similar amounts paid
- $8,137
- Compensation of officers, directors and key employees
- $1,398,652
- Other salaries and wages
- $2,523,785
- Salaries, compensation and benefits (total)
- $4,730,449
- Professional fundraising fees
- $0
- Legal fees
- $24,886
- Accounting fees
- $86,000
- Occupancy
- $350,915
- Travel
- $41,066
- Depreciation
- $138,624
Balance sheet and other
- Total assets, start of year
- $268,126,175
- Total assets, end of year
- $278,487,776
- Total liabilities, end of year
- $253,104,039
- Net assets, end of year
- $25,383,737
- Land, buildings and equipment
- $1,465,828
- Publicly traded securities
- $1,446,159
- Gross unrelated business income
- $22,072
- Gross receipts
- $15,271,629
- Employees
- 53
- Volunteers
- 13
- Year formed
- 1999
- State of legal domicile
- CA
From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.
Officers, directors and key employees
As listed on the 990 for the year ended December 31, 2025, highest compensation first.
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| ED TURK | PRESIDENT/CEO Officer | 40 | $408,546 | $80,817 |
| CRAIG ENGSTROM | VP MEMBER SERVICES Key employee | 40 | $199,090 | $28,085 |
| CHRISTINE HAROLDSON | CLO Officer | 40 | $189,528 | $29,196 |
| MATT HARMS | CFO Officer | 40 | $188,647 | $16,833 |
| CHAD SUGGS | VP INFORMATION TECHNOLOGY Key employee | 40 | $176,880 | $24,525 |
| NAOMI GILBERT | CONTROLLER Highest-paid employee | 40 | $121,459 | $21,989 |
| RENEE MORGANSON | LENDING MANAGER Highest-paid employee | 40 | $112,267 | $27,247 |
| BOBBI K BEEHLER | CHAIRPERSON Trustee or director | 1 | $1,572 | $0 |
| ROBERT L COLLINS | SUPV CMTE SECRETARY Trustee or director | 1 | $663 | $0 |
| HARRY E HANNAN JR | VICE-CHAIRPERSON Trustee or director | 1 | $0 | $0 |
| ALLAN F WISNICKY | TREASURER Trustee or director | 1 | $0 | $0 |
| HUONG V VU | SECRETARY Trustee or director | 1 | $0 | $0 |
| JOFIL BORJA | DIRECTOR Trustee or director | 1 | $0 | $0 |
| KEVIN QUAINTANCE | DIRECTOR Trustee or director | 1 | $0 | $0 |
| TAMMY DAVIS | DIRECTOR Trustee or director | 1 | $0 | $0 |
5 more people on this return
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| WILLIAM J WINDLE | EMERITUS Trustee or director | 1 | $0 |
| SHARON HANNAN | SUPV CMTE CHAIRPERSON Trustee or director | 1 | $0 |
| PETER THOMSEN | SUPV CMTE MEMBER Trustee or director | 1 | $0 |
| TINA KILGORE | SUPV CMTE ASSOCIATE MEMBER Trustee or director | 1 | $0 |
| HENRY FAVRO | SUPV CMTE ASSOCIATE MEMBER Trustee or director | 1 | $0 |
990 for the year ended December 31, 2024: 21 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| ED TURK | PRESIDENT/CEO Officer | 40 | $346,133 | $52,687 |
| CRAIG ENGSTROM | VP MEMBER SERVICES Key employee | 40 | $195,329 | $27,815 |
| CHRISTINE HAROLDSON | CLO Officer | 40 | $184,774 | $30,353 |
| CHAD SUGGS | VP INFORMATION TECHNOLOGY Key employee | 40 | $172,179 | $22,738 |
| MATT HARMS | CFO Officer | 40 | $177,692 | $15,810 |
| NAOMI GILBERT | CONTROLLER Highest-paid employee | 40 | $120,406 | $17,015 |
| RENEE MORGANSON | LENDING MANAGER Highest-paid employee | 40 | $105,750 | $29,163 |
| ROBERT L COLLINS | SUPV CMTE SECRETARY Trustee or director | 1 | $1,562 | $0 |
| BOBBI K BEEHLER | CHAIRPERSON Trustee or director | 1 | $0 | $0 |
| HARRY E HANNAN JR | VICE-CHAIRPERSON Trustee or director | 1 | $0 | $0 |
| ALLAN F WISNICKY | TREASURER Trustee or director | 1 | $0 | $0 |
| HUONG V VU | SECRETARY Trustee or director | 1 | $0 | $0 |
| WILLIAM J WINDLE | DIRECTOR Trustee or director | 1 | $0 | $0 |
| JOFIL BORJA | DIRECTOR Trustee or director | 1 | $0 | $0 |
| KEVIN QUAINTANCE | DIRECTOR Trustee or director | 1 | $0 | $0 |
| TAMMY DAVIS | ASSOCIATE BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| KEN EZEH | ASSOCIATE BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| SHARON HANNAN | SUPV CMTE CHAIRPERSON Trustee or director | 1 | $0 | $0 |
| PETER THOMSEN | SUPV CMTE MEMBER Trustee or director | 1 | $0 | $0 |
| TINA KILGORE | SUPV CMTE ASSOCIATE MEMBER Trustee or director | 1 | $0 | $0 |
| HENRY FAVRO | SUPV CMTE ASSOCIATE MEMBER Trustee or director | 1 | $0 | $0 |
990 for the year ended December 31, 2023: 18 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| ED TURK | PRESIDENT/CEO Officer | 40 | $381,862 | $18,648 |
| CRAIG ENGSTROM | VP MEMBER SERVICES Key employee | 40 | $203,656 | $13,353 |
| CHRISTINE HAROLDSON | CHIEF LENDING OFFICER Officer | 40 | $188,056 | $13,064 |
| CHAD SUGGS | VP INFORMATION TECHNOLOGY Key employee | 40 | $177,068 | $11,877 |
| MATT HARMS | CFO Officer | 40 | $177,655 | $7,352 |
| NAOMI GILBERT | CONTROLLER Highest-paid employee | 40 | $113,516 | $10,149 |
| ROBERT L COLLINS | SUPV CMTE SECRETARY Trustee or director | 1 | $1,154 | $0 |
| JOFIL BORJA | DIRECTOR Trustee or director | 1 | $1,052 | $0 |
| BOBBI BEEHLER | CHAIRPERSON Trustee or director | 1 | $0 | $0 |
| HARRY HANNAN | VICE-CHAIRMAN Trustee or director | 1 | $0 | $0 |
| ALLAN F WISNICKY | TREASURER Trustee or director | 1 | $0 | $0 |
| WILLIAM J WINDLE | SECRETARY Trustee or director | 1 | $0 | $0 |
| HUONG VU | DIRECTOR Trustee or director | 1 | $0 | $0 |
| KEVIN QUAINTANCE | DIRECTOR Trustee or director | 1 | $0 | $0 |
| TAMMY DAVIS | ASSOCIATE BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| SHARON HANNAN | SUPV CMTE CHAIRPERSON Trustee or director | 1 | $0 | $0 |
| JUDY HOOVER | SUPV CMTE MEMBER Trustee or director | 1 | $0 | $0 |
| PETER THOMSEN | SUPV CMTE ASSOCIATE MEMBER Trustee or director | 1 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- PO BOX 790, RNCHO CORDOVA, CA 95741-0790
- In care of
- % ED TURK
- Principal officer (990 for 2025)
- ED TURK, PO BOX 790, RANCHO CORDOVA, CA 95741
- Signed the 990
- ED TURK, PRESIDENT/CEO
- Phone
- (916) 364-1700
- Website
- WWW.HERITAGECCU.COM
- Return prepared by
- TURNER WARREN HWANG & CONRAD ACCTCY
California records
California keeps its own records of charities and corporations. Search them by EIN 94-1289802 or by the name CREDIT UNIONS IN THE STATE OF CALIFORNIA.
- Attorney General, Registry of Charities and Fundraisers
- Registration status and filed reports (CT-TR-1, RRF-1)
- Secretary of State, bizfile Online
- Corporation status, entity number, agent for service
- Franchise Tax Board
- Entity status letter (state tax exemption, good standing)
Mission
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.
Program accomplishments
- 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, ZELLE AND ACCOUNT TO ACCOUNT TRANSFERS.
- 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.
What it must file and when
IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in December, so each return is due on the 15th day of the 5th month after that.
| Tax year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | December 31, 2025 | May 15, 2026 | 990 on file |
| 2024 | December 31, 2024 | May 15, 2025 | 990 on file |
| 2023 | December 31, 2023 | May 15, 2024 | 990 on file |
IRS record
- EIN
- 94-1289802
- Tax-exempt status
- 501(c)(14): State-chartered credit union
- Donations deductible
- No
- Exempt since
- 1961
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Group exemption
- 1526: CREDIT UNIONS IN THE STATE OF CALIFORNIA
- Assets (IRS master file)
- $278,487,776
- Income (IRS master file)
- $15,271,629
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $15,271,629 | $14,718,104 | $278,487,776 | XML |
| 990 | December 2024 | $16,544,283 | $14,618,448 | $268,126,175 | XML |
| 990 | December 2023 | $12,093,694 | $11,232,303 | $272,972,081 | XML |
| 990 | December 2022 | $9,071,810 | $8,603,886 | $266,034,241 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 2018 | – | – | – | IRS |
990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 94-1289802).
Questions about CREDIT UNIONS IN THE STATE OF CALIFORNIA
- What is the EIN of CREDIT UNIONS IN THE STATE OF CALIFORNIA?
- The employer identification number (EIN) of CREDIT UNIONS IN THE STATE OF CALIFORNIA is 94-1289802.
- Is CREDIT UNIONS IN THE STATE OF CALIFORNIA tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1961.
- Are donations to CREDIT UNIONS IN THE STATE OF CALIFORNIA tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does CREDIT UNIONS IN THE STATE OF CALIFORNIA file?
- Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
- When is the next return of CREDIT UNIONS IN THE STATE OF CALIFORNIA due?
- The return for tax year 2026 (the year ending December 31, 2026) is due May 17, 2027. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did CREDIT UNIONS IN THE STATE OF CALIFORNIA last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended December 2025.
- Who is the principal officer of CREDIT UNIONS IN THE STATE OF CALIFORNIA?
- The 990 for the year ended December 31, 2025 names ED TURK.
- Who are the officers and directors of CREDIT UNIONS IN THE STATE OF CALIFORNIA?
- The 990 for the year ended December 31, 2025 lists 20 people; 9 received compensation from the organization, the highest $408,546 (ED TURK, PRESIDENT/CEO).
- How much revenue does CREDIT UNIONS IN THE STATE OF CALIFORNIA have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $15,271,629, expenses of $14,718,104 and total assets of $278,487,776 at year end.
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