FIRST SOURCE
Federal • New Hartford, New York • Est. 1938
Quick Facts
- Charter Number
- #2658
- Type
- Federal
- Established
- 1938
- Headquarters
- New Hartford, New York 13413-6207
- Address
- 4451 Commercial Dr
- Branches
- 6
- ATMs
- 4
- Members
- 63,773
- 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
63,773 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | FIRST SOURCE |
|---|---|
| Total Assets | $1.1B |
| Members | 63,773 |
| Loans Outstanding | $1.0B |
| Shares & Deposits | $976.7M |
| Net Worth | $109.1M |
| Net Worth Ratio | 10.04% |
| Loan-to-Share Ratio | 105.6% |
| Delinquency Rate | 0.93% |
| Net Income | +$19,797,988 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
6 locations · 4 ATMs
First Source Federal Credit Union
Main Office4451 Commercial Dr
New Hartford, NY 13413-6207
First Source Federal Credit Union
1634 Genesee St
Utica, NY 13502-5428
First Source Federal Credit Union
510 W State St
Herkimer, NY 13350-2240
First Source Federal Credit Union
50 Auert Ave
Utica, NY 13502
First Source Federal Credit Union
1822 Black River Blvd N
Rome, NY 13440
Who Can Join FIRST SOURCE?
Membership Type: Other/Unknown
Membership eligibility for FIRST SOURCE may vary. Contact the credit union directly to confirm qualification requirements.
Contact FIRST SOURCE 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 SOURCE 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 SOURCE has 63,773 members and a potential membership field of 292,264 people.
FIRST SOURCE's net worth ratio is 10.04% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 10.0%, FIRST SOURCE meets this threshold.
FIRST SOURCE operates 6 branch locations and has access to 4 ATMs. The main office is located at 4451 Commercial Dr, New Hartford, NY 13413-6207.
FIRST SOURCE was established in 1938. It is a federal credit union chartered under charter number 2658. The institution has been serving members for 88 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 SOURCE. All financial data is for informational purposes only.