Federal credit union · Corning, New York · NCUA charter #9604
First Heritage
Health score 99/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 99
- Health / 100
- $805.3M
- Total assets
- 50,375
- Members
- 11.0%
- Net-worth ratio
First Heritage scores 99/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $805.3M; members 50,375; net-worth ratio 11.00%; health rank #61 of 4,374; healthier than 98th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#61 of 4,374 health · 2025Q4First Heritage · health 99/100 · $805.3M · 2025Q4
- HEALTH 99/100
- NW 11.0%
- DELQ 0.53%
- ROA 0.70%
- ASSETS $805.3M
- MEM 50,375
- RANK #61/4,374
- PHOTO National Institutes of Health
- BOOK 9604
Call Report peers
First Heritage in the assets neighbourhood
First Heritage's $805.3M assets sit next to National Institutes of Health ($804.4M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
First Heritage vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
99 Top 2% higher than 98% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
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 vs Over $500M peers
- Largest favorable gap: Delinquency Rate at 0.53% vs peer 0.87% (-0.34 pp).
- Largest lag: Loan-to-Share Ratio at 83.51% vs peer 83.90% (-0.39 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where First Heritage sits in New York
- Health composite ranks #4 of 272 among scored New York credit unions.
- By total assets, First Heritage is #26 of 272 in New York.
- New York membership ordinal: #26 of 272.
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
First Heritage Call Report trajectory
First Heritage: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.1% from $805.3M (2025Q4) to $838.4M (2026Q1).
- Net-worth ratio shifted +0.04 pp (10.96% → 11.00%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 11.00% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 99/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 99.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.7 pts
- Return on Assets 15.0 pts
- Member Growth 14.5 pts
- Loan-to-Share Ratio 14.8 pts
First Heritage vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.00% | -0.18 pp |
| Delinquency Rate | 0.53% | -0.34 pp |
| Return on Assets | 0.70% | +0.19 pp |
| Member Growth | 4.56% | - |
| Loan-to-Share Ratio | 83.51% | -0.39 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
First Heritage quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $838.4M | - |
| 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
Branch Locations (9)
First Heritage operates 9 offices across 9 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Coporate HQ Office and Branch (Main Office) | Corning, NY |
| Addison | Addison, NY |
| Southport | Elmira, NY |
| Elmira Heights | Elmira Heights, NY |
| Hornell | Hornell, NY |
| Horseheads | Horseheads, NY |
| Mansfield Office | Mansfield, PA |
| Painted Post | Painted Post, NY |
| Wellsboro | Wellsboro, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
Cross-state Call Report peers for First Heritage
Cross-state asset and health neighbours for First Heritage - kept outside New York; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($805.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (99/100 here).
Using this data
- First Heritage ranks #61 of 4,374 nationally on financial health and #4 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Heritage Financial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Heritage Financial
- Rates and health both vary by institution, not just by state -- see how New York credit unions compare overall before assuming this one is typical. New York state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
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. On the national health ranking (same basis as /rankings/healthiest), it sits at #61 of 4,374; by total assets it ranks #550 of 4,374 nationally (same basis as /rankings/largest); and #26 of 272 within New York. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 11.00% 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 11.00% 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.
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.