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
Call Report peers
First Heritage in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); First Heritage sits in 95-99 with 391 others.
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 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).
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.
- One place up in New York, O and R Utilities Employees (#3) scores 100/100, 1 point higher; one place down, Becco Buffalo (#5) scores 98/100, 1 point lower.
First Heritage Call Report trajectory
First Heritage: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.1% from $805.3M (2025Q4) to $838.4M (2026Q1).
- Net-worth ratio shifted +0.04 pp (10.96% → 11.00%).
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
First Heritage gives up 1 points in total. Member Growth costs the most, 0.5 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is First Heritage financially healthy?
On its 2025Q4 NCUA 5300 filing, First Heritage scores 99/100 (Excellent), with a 11.00% net worth ratio and 0.53% of loans delinquent. It ranks #61 of 4,374 nationally on health and #4 of 272 in New York.
How does First Heritage compare to other credit unions?
First Heritage scores 99/100, higher than 98% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is delinquency rate (0.53% vs 0.87%). Its widest shortfall is loan-to-share ratio (83.51% vs 83.90%).
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?
First Heritage is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.