FIRST HERITAGE
Federal • Corning, New York • Est. 1954
Quick Facts
- Charter Number
- #9604
- Type
- Federal
- Established
- 1954
- Headquarters
- Corning, New York 14830
- Address
- 202 Dension Pkwy E
- Branches
- 9
- ATMs
- 12
- Members
- 50,375
- Membership Type
- Other/Unknown
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
50,375 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | FIRST HERITAGE |
|---|---|
| Total Assets | $805.3M |
| Members | 50,375 |
| Loans Outstanding | $596.8M |
| Shares & Deposits | $714.6M |
| Net Worth | $86.4M |
| Net Worth Ratio | 10.96% |
| Loan-to-Share Ratio | 83.5% |
| Delinquency Rate | 0.53% |
| Net Income | +$8,665,541 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
9 locations · 12 ATMs
Painted Post
110 Village Sq
Painted Post, NY 14870-1349
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
Who Can Join FIRST HERITAGE?
Membership Type: Other/Unknown
Membership eligibility for FIRST HERITAGE may vary. Contact the credit union directly to confirm qualification requirements.
Contact FIRST HERITAGE directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View New York RankingsFrequently Asked Questions
Yes. FIRST HERITAGE is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, FIRST HERITAGE has 50,375 members and a potential membership field of 495,000 people.
FIRST HERITAGE's net worth ratio is 10.96% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 11.0%, FIRST HERITAGE meets this threshold.
FIRST HERITAGE operates 9 branch locations and has access to 12 ATMs. The main office is located at 202 Denison Pkwy E, Corning, NY 14830-2813.
FIRST HERITAGE was established in 1954. It is a federal credit union chartered under charter number 9604. The institution has been serving members for 72 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or FIRST HERITAGE. All financial data is for informational purposes only.