Side-by-side · Q2 2026 data
Financial Trust Federal Credit Union vs Western Division Federal Credit Union
Credit union
Financial Trust Federal Credit Union
Cheektowaga, New York · $100 million – $1 billion
Credit union
Western Division Federal Credit Union
Williamsville, New York · $100 million – $1 billion
Metric by metric
| Measure | Financial Trust Federal Credit Union | Western Division Federal Credit Union |
|---|---|---|
| TellerScore | 89 | 91 (stronger) |
| Capital cushion | 100 (stronger) | 98 |
| Loan quality | 83 | 91 (stronger) |
| Earnings | 70 | 98 (stronger) |
| Funding & liquidity | 96 (stronger) | 66 |
| Problem-loan coverage | 96 | 97 (stronger) |
| Peer percentile | 94th | 96th |
| Total assets | $203.4M | $223.9M |
| Deposits / shares | $172.2M | $190.3M |
| Capital ratio | 15.02% (stronger) | 14.80% |
| Problem loans | 0.51% | 0.27% (stronger) |
| Net charge-offs | 0.08% | 0.07% (stronger) |
| Return on assets | 1.24% | 1.96% (stronger) |
| Loans ÷ deposits | 64.1% (stronger) | 94.2% |
| Uninsured deposits | 0.0% (stronger) | 3.9% |
| Offices | 4 | 0 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 13.5% |
Western Division Federal Credit Union has the higher TellerScore (91 vs 89). On the 7 directional measures above (where higher or lower is clearly better), Financial Trust Federal Credit Union leads on 3 and Western Division Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.