Sep, 30, 2025 — FIRST HERITAGE FEDERAL CREDIT UNION is a federal credit union headquartered in CORNING, NY with 9 branch locations and about $787.52 million in total assets. Opened 72 years ago in 1954, FIRST HERITAGE FEDERAL CREDIT UNION has about 49,934 members and employs 146 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | FIRST HERITAGE FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 202 Denison Pkwy E CORNING, NY 14830-2813 |
| Phone: | (607) 936-4667 |
| Fax: | |
| Website: | https://www.fhfcu.org |
| Branches: | 9 branch locations |
| Members: | 49,934 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 9604 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1954 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $787,517,551 |
| CEO/Manager: | Thomas J Pisano |
| Chairperson: | Robert J Blair |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 12,098,279 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 287,289,217 |
| Unsecured Loans | 13,393,805 |
| Other Loans | 286,580,481 |
| TOTAL LOANS | 589,487,264 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -5,113,967 |
| Land And Building | 12,215,196 |
| Other Fixed Assets | 1,837,296 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 6,155,322 |
| All Other Assets | 137,442 |
| TOTAL ASSETS | 787,517,551 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 4,700,596 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 130,929,561 |
| Regular shares | 204,141,025 |
| All Other Shares & Deposits | 363,583,500 |
| TOTAL SHARES & DEPOSITS | 698,654,086 |
| TOTAL LIABILITIES | 703,474,682 |
| Regular Reserve | 0 |
| Other Reserves | 289,253 |
| Undivided Earnings | 83,753,616 |
| TOTAL EQUITY | 84,042,869 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 787,517,551 |
| INCOME & EXPENSE | |
| Loan Income | 24,478,937 |
| Investment Income | 4,099,851 |
| Other Income | 1,777,970 |
| Total Employee Compensation & Benefits | 9,611,657 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 9,041,605 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 1,475,000 |
| Cost of Funds | 9,527,032 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 4,610,485 |
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