Side-by-side · Q2 2026 data
Financial Trust Federal Credit Union vs First Choice Financial Federal Credit Union
Credit union
Financial Trust Federal Credit Union
Cheektowaga, New York · $100 million – $1 billion
Credit union
First Choice Financial Federal Credit Union
Gloversville, New York · $100 million – $1 billion
Metric by metric
| Measure | Financial Trust Federal Credit Union | First Choice Financial Federal Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 72 |
| Capital cushion | 100 (stronger) | 81 |
| Loan quality | 83 (stronger) | 43 |
| Earnings | 70 (stronger) | 64 |
| Funding & liquidity | 96 | 100 (stronger) |
| Problem-loan coverage | 96 (stronger) | 87 |
| Peer percentile | 94th | 57th |
| Total assets | $203.4M | $183.7M |
| Deposits / shares | $172.2M | $161.7M |
| Capital ratio | 15.02% (stronger) | 13.05% |
| Problem loans | 0.51% (stronger) | 1.70% |
| Net charge-offs | 0.08% (stronger) | 0.57% |
| Return on assets | 1.24% (stronger) | 1.11% |
| Loans ÷ deposits | 64.1% | 56.1% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 4.9% |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Financial Trust Federal Credit Union has the higher TellerScore (89 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Financial Trust Federal Credit Union leads on 6 and First Choice Financial Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.