FIRST HERITAGE
Charter #9604 · Corning, NY · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.02% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.29% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 76th percentile but its structural peers at the 54th — a 22-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | FIRST HERITAGE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $838.37M | 76th pct | 54th pct |
| Members | 50,929 | 75th pct | 54th pct |
| Net worth ratio | 11.00% | 59th pct | 56th pct |
| Return on average assets | 1.02% | 74th pct | 77th pct |
| Net interest margin | 3.51% | 49th pct | 38th pct |
| Cost of funds | 1.63% | 63th pct | 51th pct |
| Loan-to-share | 80.74% | 49th pct | 43th pct |
| Delinquency 60+ days | 0.29% | 21th pct | 23th pct |
| Net charge-off ratio | 0.27% | 31th pct | 30th pct |
| Loan growth YoY | 2.31% | 64th pct | 51th pct |
| Share growth YoY | 6.92% | 85th pct | 87th pct |
| Efficiency ratio | 72.38% | 26th pct | 30th pct |
structural peer set hash: ac6f50b530a37a71deca1688c9aa9eab… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.