Side-by-side · Q2 2026 data
Financial Trust Federal Credit Union vs Ontario Shores Federal Credit Union
Credit union
Financial Trust Federal Credit Union
Cheektowaga, New York · $100 million – $1 billion
Credit union
Ontario Shores Federal Credit Union
Newfane, New York · $100 million – $1 billion
Metric by metric
| Measure | Financial Trust Federal Credit Union | Ontario Shores Federal Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 68 |
| Capital cushion | 100 (stronger) | 57 |
| Loan quality | 83 (stronger) | 61 |
| Earnings | 70 (stronger) | 60 |
| Funding & liquidity | 96 | 100 (stronger) |
| Problem-loan coverage | 96 (stronger) | 90 |
| Peer percentile | 94th | 45th |
| Total assets | $203.4M | $208.4M |
| Deposits / shares | $172.2M | $185.0M |
| Capital ratio | 15.02% (stronger) | 10.65% |
| Problem loans | 0.51% (stronger) | 1.16% |
| Net charge-offs | 0.08% | 0.05% (stronger) |
| Return on assets | 1.24% (stronger) | 0.99% |
| Loans ÷ deposits | 64.1% | 50.2% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 8.3% |
| 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 68). On the 7 directional measures above (where higher or lower is clearly better), Financial Trust Federal Credit Union leads on 5 and Ontario Shores Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.