TellerScore

First Heritage Federal Credit Union (NCUA charter #9604) is based in Corning, New York. Its Q2 2026 call report shows $839.7M in total assets and $748.4M in member shares and deposits and 9 offices across 2 states.

First Heritage Federal Credit Union has a TellerScore of 72 out of 100 (strong) based on Q2 2026 data — higher than 57% of its 1,341 credit unions with $100 million – $1 billion. Among 268 credit unions headquartered in New York, it ranks 122nd. Problem-loan coverage contributes the most (94/100, 3.0%); earnings contributes the least (58/100, 0.96%).

TellerScore · Q2 2026

Scorecard

Capital cushion61/100
Net worth ratio: 11.06%
Loan quality85/100
Loans 60+ days delinquent ÷ total loans: 0.44%
Earnings58/100
Return on assets (annualized): 0.96%
Funding & liquidity78/100
Loans ÷ shares: 82.1% · 9.5% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.96%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 3 points (69 → 72), mostly because the earnings component improved by 10 points.

TellerScore
697274Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202470
Q4 202471
Q1 202571
Q2 202569
Q3 202570
Q4 202570
Q1 202674
Q2 202672
Net worth ratio
7.00%9.03%11.06%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.56%
Q3 202410.62%
Q4 202410.85%
Q1 202510.57%
Q2 202510.52%
Q3 202510.75%
Q4 202510.96%
Q1 202611.00%
Q2 202611.06%
Delinquent loans (60+ days)
0.25%0.39%0.53%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.25%
Q3 20240.27%
Q4 20240.30%
Q1 20250.28%
Q2 20250.35%
Q3 20250.33%
Q4 20250.53%
Q1 20260.29%
Q2 20260.44%
Return on assets
0.68%0.84%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.68%
Q3 20240.73%
Q4 20240.76%
Q1 20250.73%
Q2 20250.69%
Q3 20250.78%
Q4 20250.87%
Q1 20261.00%
Q2 20260.96%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202672$839.7M11.06%0.44%0.96%82.1%
Q1 202674$838.4M11.00%0.29%1.00%80.7%
Q4 202570$805.3M10.96%0.53%0.87%83.5%
Q3 202570$787.5M10.75%0.33%0.78%84.4%
Q2 202569$785.6M10.52%0.35%0.69%82.8%
Q1 202571$770.9M10.57%0.28%0.73%82.6%
Q4 202471$747.7M10.85%0.30%0.76%84.0%
Q3 202470$732.2M10.62%0.27%0.73%84.6%
Q2 202470$728.0M10.56%0.25%0.68%84.1%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.06%
45th
Problem loans0.44%
71st
Net charge-offs0.28%
60th
Return on assets0.96%
64th
Loans to deposits82.1%
35th
Uninsured deposits9.5%
19th
Loan-loss reserves0.00%
50th
Texas ratio3.0%
62nd

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Northern Federal Credit UnionCredit union Watertown, NY54 out of 100, Below average$698.2M10.5%1.32%vs

Deposit insurance

Is my money safe at First Heritage Federal Credit Union?

Yes. First Heritage Federal Credit Union is a federally insured credit union (NCUA charter #9604). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 9.5% of shares and deposits ($71.2M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 11.06%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

9 locations

Branches

First Heritage Federal Credit Union lists 9 offices in 9 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First Heritage Federal Credit Union reported 712 home-loan applications under HMDA (LEI 549300H0B8QZSS10X971): 477 originated ($52,905,000 total), 157 denied, and 59 withdrawn or closed by the applicant. Its denial rate on decided applications was 24.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
First Heritage Federal Credit Union
Type
Federal credit union
NCUA charter #
9604
RSSD ID
949284
Primary regulator
NCUA
Established
1954
Headquarters
202 Dension Pkwy E, Corning, NY 14830
Employees
155

Quick answers

First Heritage Federal Credit Union: common questions

Is First Heritage Federal Credit Union NCUA insured?

Yes. First Heritage Federal Credit Union is a federally insured credit union (NCUA charter #9604). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is First Heritage Federal Credit Union's TellerScore?

72 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does First Heritage Federal Credit Union have?

9 offices as of the latest NCUA data, in 2 states.

Nearby

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