First Source Federal Credit Union New Hartford, New York
First Source Federal Credit Union is a federal credit union headquartered in New Hartford, NY, established in 1938 (NCUA charter 2658), and it is regulated and insured by the NCUA. At Q2 2026 it reported 64,681 members and total assets of $1.12B (up 4.0% from Q2 2025), the 24th largest of 267 credit unions headquartered in New York. Its net worth ratio was 10.29% at Q2 2026, in the well capitalized band.
Also written as First Source FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 2658
- Headquarters
- New Hartford, NY
- Established
- 1938
- Total assets, Q2 2026
- $1.12B
- Assets vs Q2 2025
- +4.0%
- Members, Q2 2026
- 64,681
- Net worth ratio, Q2 2026
- 10.29%
- Latest call report
- Q2 2026, NCUA 5300 · First Source Federal Credit Union call report
- Asset rank in state
- 24th of 267 in New York
- Routing number
- 221380790
- Branches
- 6
It has 1,440 more members than on June 30, 2025 (+2.3%). Its net worth ratio was up 0.46 percentage points from 9.83% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $461.3M of $1.06B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.03% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 10.29% net worth ratio is below that band's 10.89% median.
Credit unions similar in size in New York
Frequently asked about First Source Federal Credit Union
How big is First Source Federal Credit Union?
At Q2 2026 it reported total assets of $1.12B and 64,681 members.
Where is First Source Federal Credit Union headquartered?
It is headquartered in New Hartford, NY, United States.
When was First Source Federal Credit Union founded?
It was established in 1938, per NCUA records.
Is First Source Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 2658): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates First Source Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is First Source Federal Credit Union well capitalized?
Its net worth ratio was 10.29% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is First Source Federal Credit Union's delinquency ratio?
Its delinquency ratio was 1.03% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is First Source Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 105.86% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- New Hartford, NY 13413
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1938
- NCUA Charter #
- 2658
- RSSD ID
- 695376
- Members
- 64,681
- Potential members
- 353,905
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 10.29% | 10.89% | 36th below |
| Return on assets Middle half of peers: 0.59% to 1.25% | 0.96% | 0.89% | 55th above |
| Return on equity Middle half of peers: 5.37% to 10.92% | 9.49% | 8.07% | 62nd above |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 4.89% | 3.45% | over 90th top |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 66.95% | 70.59% | 62nd above |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.56% | 1.68% | 60th above |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 1.03% | 0.68% | 26th below |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 6.45% | 5.12% | over 90th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 105.86% | 88.03% | over 90th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$1.12B total assets against $1.08B; $999.1M total shares and deposits against $965.9M; $1.06B total loans against $1.00B.
$113.9M net worth against $105.1M.
10.29% net worth ratio against 9.83%.
105.86% loan-to-share ratio against 103.88%.
1.03% delinquency ratio against 0.76%.
0.96% return on assets against 0.75%; 9.49% return on equity against 7.72%.
4.89% net interest margin against 4.56%.
64,681 members against 63,241.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 10.29% | 0.96% | 1.03% | 105.86% |
| March 31, 2026 | 10.12% | 0.74% | 0.81% | 103.31% |
| December 31, 2025 | 10.04% | 0.64% | 0.93% | 105.64% |
| September 30, 2025 | 9.97% | 0.81% | 0.85% | 106.89% |
| June 30, 2025 | 9.83% | 0.75% | 0.76% | 103.88% |
| March 31, 2025 | 9.77% | 0.67% | 0.62% | 103.44% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
Loans outstanding exceed total member shares (deposits). The credit union is funding the gap with borrowings or non-member sources that are more rate-sensitive and less stable than core member deposits. Industry heuristic, not a supervisory threshold.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.