Like this:
$ tac file | awk '
BEGIN{FS=OFS=","}
NR==1{split($0, a, ",");next}
NR==2{for (i=1; i<=NF; i++)
if ($i == 1) $i=a[++c]}1
'
Output
0,0,65,70,0,0,75,80,0,85,0,85,0,90
Like this:
$ tac file | awk '
BEGIN{FS=OFS=","}
NR==1{split($0, a, ",");next}
NR==2{for (i=1; i<=NF; i++)
if ($i == 1) $i=a[++c]}1
'
0,0,65,70,0,0,75,80,0,85,0,85,0,90