FIRST HERITAGE Credit Union Profile

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FIRST HERITAGE

Charter #9604 | NCUA Region 1 | FCU

Low-Income Designation: Yes

Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (607) 936-4667

Fax:

Founding Date: N/A

Website: http://www.fhfcu.org

Personnel & Operations

President: Blair, Robert

Manager: Pisano, Thomas

FT Employees: 143

PT Employees: 1

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 00

Branches: 9

Hours: Lobby: Mon. - Wed. 8:30 a.m. - 4:30 p.m.

Credit Union Profile Summary

FIRST HERITAGE is a FCU Credit Union. With a total of 49,632 members ^[1], this institution manages approximately $785,564,312 in total assets ^[1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 10.52% ^[1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 6.27% ^[1].

Financial Snapshot

Total Assets ^[1]

$785,564,312

Total economic resources.

Total Loans ^[1]

$580,553,092

Total value of outstanding loans.

Total Deposits ^[1]

$700,856,033

Total funds deposited by members.

Members ^[1]

49,632

Number of active members.

Performance Ratios

Net Worth Ratio ^[1]

10.52%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) ^[1]

0.71%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio ^[1]

82.83%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) ^[1]

↑ 7.90%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) ^[1]

↑ 6.27%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) ^[1]

↑ 4.96%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

202 Denison Pkwy E

Corning, NY, 14830-2813

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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

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Branch Locations

Found 9 branches reported by FIRST HERITAGE (Charter #9604).

Main Office

Coporate HQ Office and Branch Main Office

Type: Corporate Office

202 Denison Pkwy E

Corning, NY 14830-2813

Phone: (607) 936-4667

Services: Member Services, ATM, Drive-Thru

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Additional Branches

Addison

Type: Branch Office

Mansfield Office

Type: Branch Office

1550 S Main St Ste 1

Mansfield, PA 16933-9586

Phone: (570) 662-1220

Services: Member Services, ATM, Drive-Thru

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Painted Post

Type: Branch Office

110 Village Sq

Painted Post, NY 14870-1349

Phone: (607) 936-4667

Services: ATM, Drive-Thru

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Wellsboro

Type: Branch Office

17 East Ave

Wellsboro, PA 16901

Phone: (570) 724-5331

Services: Member Services, ATM, Drive-Thru

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