Federal credit union · Corning, New York · NCUA charter #9604
First Heritage
Health score 99/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 99
- Health / 100
- $805.3M
- Total assets
- 50,375
- Members
- 10.7%
- Net-worth ratio
First Heritage - Share Insurance Coverage
Charter #9604's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
First Heritage - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)99
- Earnings (ROA)100
- Member growth97
- Liquidity (loan-to-share)100
Weighted composite: 99/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 10.70% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.70% | 30% |
| Delinquency Rate | 0.53% | 25% |
| Return on Assets | 0.70% | 15% |
| Member Growth | 4.56% | 15% |
| Loan-to-Share Ratio | 83.51% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $805.3M | 50,375 |
| 2024Q4 | $747.7M | 48,176 |
| 2023Q4 | $701.1M | 46,117 |
Credit Union Details
- Charter Number
- 9604
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- New York
- City
- Corning
- Data Quarter
- 2025Q4
What This Data Says About First Heritage
50,375 members and $805.3M in total assets sit behind First Heritage, a federal credit union in Corning, New York, which posts a health score of 99/100 (Excellent) on the five-factor composite, with $596.8M in outstanding loans as of Q4 2025 and a net worth ratio of 10.70% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #9604 in peer group Over $500M, a cohort of 749 similarly-sized institutions.
Two more numbers round out the picture: a 0.53% delinquency rate (loans 60+ days past due against the total book) - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers - and a 83.51% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.70% on net income of $5.7M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 4.56%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Community); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in New York
A look at other New York credit unions, ranked by how closely their peer group and asset size match this one.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is First Heritage financially healthy?
First Heritage has a financial health score of 99/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 10.70% and delinquency rate of 0.53%.
How does First Heritage compare to other credit unions?
On PlainCU's health composite, First Heritage lands at 99/100, compared to a peer group average for Over $500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join First Heritage?
First Heritage operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact First Heritage directly for the exact boundaries and application steps.
Is my money safe at First Heritage?
Federal credit unions like First Heritage are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. First Heritage's net worth ratio of 10.70% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does First Heritage offer compared to banks?
Credit unions like First Heritage are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact First Heritage directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.