First Heritage
First Heritage is a credit union based in Corning, New York, established in 1954, with $838 million in total assets serving 50,929 members. By Trust Grade it ranks 103rd of 267 credit unions we track in New York. Its net worth ratio of 11.0% trails most similarly sized credit unions (46th percentile), versus a New York median of 12%. It was profitable over the most recent period, with a 1.00% return on assets. No consumer complaints against First Heritage appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How First Heritage compares to New York peers
How we graded First Heritage
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (11.0% capital ratio)
- Strongly profitable (ROA 1.00%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for First Heritage over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at First Heritage insured?
Yes. First Heritage is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
First Heritage: frequently asked questions
Is First Heritage a good credit union?
First Heritage earns a Bankzia Trust Grade of A (94/100, "Excellent"), based on a financial-strength score of 94/100 (it has no CFPB complaints on record). Strongly capitalized (11.0% capital ratio); Strongly profitable (ROA 1.00%).
Is First Heritage NCUA-insured?
Yes. First Heritage is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is First Heritage?
First Heritage holds $838 million in total assets, ranking 103rd of 267 credit unions we track in New York. It serves 50,929 members.
Does First Heritage have CFPB complaints?
No CFPB complaints against First Heritage appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
