Charter 9604 · Corning, NY
First Heritage Federal Credit Union
First Heritage Federal Credit Union is a federally chartered credit union in Corning, New York, with $840 million in assets and 51,464 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 11.06%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $840 million
- +6.9% in a year
- Members
- 51,464
- +3.7% in a year
- Net worth ratio
- 11.06%
- Peer median 10.79%
- Loans 60+ days late
- 0.44%
- Peer median 0.67%
- Loans outstanding
- $614 million
- +5.8% in a year
- Shares and deposits
- $748 million
- +6.8% in a year
- Branches
- 9
- 155 employees
- Opened
- 1954
- Federal charter
How First Heritage Federal Credit Union compares
NCUA groups credit unions by size; First Heritage Federal Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 11.06% is higher than that group's median of 10.79%, and its share of loans 60 or more days past due, 0.44%, is lower than the group median of 0.67%. Loans grew 5.8% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 26 of 268 credit unions headquartered in New York. See all New York credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $840 million | 51,464 | $614 million | 11.06% | 0.44% |
| Q1 2026 | $838 million | 50,929 | $603 million | 11.00% | 0.29% |
| Q4 2025 | $805 million | 50,375 | $597 million | 10.96% | 0.53% |
| Q3 2025 | $788 million | 49,934 | $589 million | 10.75% | 0.33% |
| Q2 2025 | $786 million | 49,632 | $581 million | 10.52% | 0.35% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 538,216 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 9 sites for First Heritage Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Painted Post
110 Village Sq, Painted Post, NY 14870 - Wellsboro
17 East Ave, Wellsboro, PA 16901 - Addison
11 Steuben St, Addison, NY 14801 - Elmira Heights
218 Prescott Ave, Elmira Heights, NY 14903 - Southport
1707 Cedar St, Elmira, NY 14904 - Horseheads
501 Gardner Rd, Horseheads, NY 14845 - Mansfield Office
1550 S Main St Ste 1, Mansfield, PA 16933 - Hornell
167 Seneca St, Hornell, NY 14843 - Coporate HQ Office and Branch (main office)
202 Denison Pkwy E, Corning, NY 14830
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology