Corning, New York · Peer group 6
First Heritage Credit Union
First Heritage Credit Union holds $838.4M in assets across 50,929 members as of Q1 2026 — about $16K of assets per member, on a charter dating to 1954. Charter number 9604, in the $500M-$1B asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $838.4M |
|---|---|
| Total loans | $603.1M |
| Total shares (deposits) | $747.0M |
| Net worth | $88.5M |
| Members | 50,929 |
| Assets per member | $16K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 8.7% | |
|---|---|---|
| Loans | 5.9% | around the 59th percentile of its peer group |
| Deposits | 8.3% | around the 82nd percentile of its peer group |
| Members | 4.3% | around the 81st percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 80.7% | around the 40th percentile of its peer group |
|---|---|---|
| Net worth ratio | 11.0% | around the 57th percentile of its peer group |
| Return on assets | 1.00% | around the 74th percentile of its peer group |
| Delinquency ratio | 0.29% | around the 16th percentile of its peer group |
| Cash / assets | 2.0% | lower than 99% of its peer group |
| Borrowings / assets | 0.0% | around the 19th percentile of its peer group |
What this page does not show
Everything above is First Heritage Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within New York — the comparison set a peer ratio is measured against.
- Heritage Financial Credit Union
Middletown, NY
$801.8M · 57,460 members
- Sea Comm Credit Union
MASSENA, NY
$771.8M · 56,628 members
- Reliant Community Credit Union
Sodus, NY
$765.2M · 49,200 members
- N C P D Credit Union
Plainview, NY
$916.0M · 16,398 members
- Cornerstone Community Credit Union
LOCKPORT, NY
$725.9M · 44,162 members
- Northern Credit Union
WATERTOWN, NY
$682.1M · 45,187 members
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