TellerScore

Financial Trust Federal Credit Union is a federal credit union headquartered in Cheektowaga, New York, in business for about 76 years. At the end of Q2 2026 it reported $203.4M in total assets and $172.2M in member shares and deposits, with 4 offices.

Financial Trust Federal Credit Union has a TellerScore of 89 out of 100 (very strong) based on Q2 2026 data — higher than 94% of its 1,341 credit unions with $100 million – $1 billion. Among 268 credit unions headquartered in New York, it ranks 27th. Capital cushion contributes the most (100/100, 15.02%); earnings contributes the least (70/100, 1.24%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.02%
Loan quality83/100
Loans 60+ days delinquent ÷ total loans: 0.51%
Earnings70/100
Return on assets (annualized): 1.24%
Funding & liquidity96/100
Loans ÷ shares: 64.1% · 0.0% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.84%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 3 points (92 → 89), mostly because the earnings component weakened by 14 points.

TellerScore
899192Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202492
Q3 202492
Q4 202492
Q1 202592
Q2 202592
Q3 202592
Q4 202592
Q1 202689
Q2 202689
Net worth ratio
7.00%11.18%15.36%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.19%
Q3 202414.56%
Q4 202414.84%
Q1 202514.73%
Q2 202514.98%
Q3 202515.27%
Q4 202515.36%
Q1 202615.09%
Q2 202615.02%
Delinquent loans (60+ days)
0.29%0.40%0.51%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.29%
Q3 20240.35%
Q4 20240.41%
Q1 20250.31%
Q2 20250.41%
Q3 20250.46%
Q4 20250.43%
Q1 20260.47%
Q2 20260.51%
Return on assets
1.24%1.47%1.70%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.67%
Q3 20241.70%
Q4 20241.69%
Q1 20251.52%
Q2 20251.59%
Q3 20251.63%
Q4 20251.57%
Q1 20261.28%
Q2 20261.24%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202689$203.4M15.02%0.51%1.24%64.1%
Q1 202689$198.3M15.09%0.47%1.28%63.0%
Q4 202592$190.7M15.36%0.43%1.57%66.5%
Q3 202592$187.2M15.27%0.46%1.63%68.5%
Q2 202592$185.4M14.98%0.41%1.59%68.0%
Q1 202592$183.2M14.73%0.31%1.52%65.7%
Q4 202492$177.2M14.84%0.41%1.69%66.5%
Q3 202492$175.4M14.56%0.35%1.70%66.7%
Q2 202492$174.4M14.19%0.29%1.67%64.9%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio15.02%
85th
Problem loans0.51%
64th
Net charge-offs0.08%
87th
Return on assets1.24%
80th
Loans to deposits64.1%
71st
Uninsured deposits0.0%
98th
Loan-loss reserves0.00%
50th
Texas ratio1.8%
78th

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Deposit insurance

Is my money safe at Financial Trust Federal Credit Union?

Yes. Financial Trust Federal Credit Union is a federally insured credit union (NCUA charter #6870). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 15.02%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Financial Trust Federal Credit Union lists 4 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Financial Trust Federal Credit Union
Type
Federal credit union
NCUA charter #
6870
RSSD ID
575786
Primary regulator
NCUA
Established
1950
Headquarters
3333 Harlem Rd, Cheektowaga, NY 14225
Employees
28

Quick answers

Financial Trust Federal Credit Union: common questions

Is Financial Trust Federal Credit Union NCUA insured?

Yes. Financial Trust Federal Credit Union is a federally insured credit union (NCUA charter #6870). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Financial Trust Federal Credit Union's TellerScore?

89 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Financial Trust Federal Credit Union have?

4 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Cheektowaga

InstitutionScoreAssetsCapitalProblem loansCompare
Moog Employees Federal Credit UnionCredit union East Aurora, NY100 out of 100, Very strong$257.3M26.6%0.00%vs
Cambridge Municipal Employees Federal Credit UnionCredit union Cambridge, MA97 out of 100, Very strong$10.2M24.8%0.12%vs
Greater Woodlawn Federal Credit UnionCredit union Blasdell, NY96 out of 100, Very strong$168.4M23.9%0.12%vs
Town of Cheektowaga Federal Credit UnionCredit union Cheektowaga, NY95 out of 100, Very strong$38.1M17.2%0.00%vs
Crossroads Community Federal Credit UnionCredit union Cheektowaga, NY95 out of 100, Very strong$96.9M15.3%0.18%vs
Meridia Community Federal Credit UnionCredit union Hamburg, NY94 out of 100, Very strong$144.1M16.4%0.27%vs