First Heritage

Corning, NY · 1 · Charter #9604 · www.fhfcu.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$805.3M
88th percentile
Members
50,375
88th percentile
Total loans
$596.8M
89th percentile
Total shares
$714.6M
91th percentile

Profitability

Return on assets
1.07%
58th percentile
Net interest margin
3.24%
35th percentile
Efficiency ratio
54.10%
70th percentile
Non-interest income ratio
16.53%
34th percentile

Capital & Risk

Net worth ratio
10.73%
47th percentile
Delinquency rate
0.53%
67th percentile
Net charge-off rate
0.24%
72th percentile
Loan-to-share
83.51%
59th percentile

Growth

Member growth YoY
4.56%
87th percentile
Asset growth YoY
7.71%
71th percentile
Loan growth YoY
6.45%
63th percentile
Share growth YoY
7.05%
71th percentile

Operations

Members / branch
5,597
68th percentile
Assets / member
$15,986
48th percentile
Field of membership penetration
10.18%
73th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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