First Heritage
Corning, NY · Charter 9604 · Peer group: credit unions under $1B in assets in NY (n=59)
NCUA · 9 branches
Q2 2026
$839.7MAssets
$614.2MLoans
$748.4MShares
$90.4MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 69% of credit unions under $1B in assets in NY (rank 19 of 59).
- Widest gap: equity / assets trails 83% of credit unions under $1B in assets in NY (rank 49 of 59).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.96%
Rank 34 of 59
Net Interest Margin
3.49%
Rank 37 of 59
Efficiency Ratio
73.50%
Rank 28 of 59
Equity / Assets
10.77%
Rank 49 of 59
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.96% | 0.28% | 1.01% | 1.42% | Beats 42% | 34 / 59 | |
| Return on Equity | 8.89% | 2.31% | 7.92% | 10.52% | Beats 59% | 24 / 59 | |
| Net Interest Margin | 3.49% | 3.24% | 3.66% | 4.04% | Beats 37% | 37 / 59 | |
| Efficiency Ratio | 73.50% | 63.53% | 74.15% | 82.44% | Beats 54% | 28 / 59 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.43% | 0.32% | 0.68% | 1.20% | Beats 69% | 19 / 59 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.77% | 10.94% | 13.05% | 16.06% | Beats 17% | 49 / 59 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.77% | 10.94% | 13.05% | 16.06% | Beats 17% | 49 / 59 | |
| Liquidity & Funding |
| Loans / Deposits | 82.06% | 40.49% | 57.59% | 78.86% | 83rd pctl | 10 / 59 | |
| Loans / Assets | 73.15% | 33.06% | 50.92% | 63.03% | 90th pctl | 6 / 59 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |