Financial Trust Federal Credit Union Cheektowaga, New York
Financial Trust Federal Credit Union is a federal credit union headquartered in Cheektowaga, NY, established in 1950 (NCUA charter 6870), and it is regulated and insured by the NCUA. At Q2 2026 it reported 13,730 members and total assets of $203.4M (up 9.7% from Q2 2025), the 59th largest of 267 credit unions headquartered in New York. Its net worth ratio was 15.02% at Q2 2026, in the well capitalized band.
Also written as Financial Trust FCU
BankRegReports is independent of Financial Trust Federal Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 6870
- Headquarters
- Cheektowaga, NY
- Established
- 1950
- Total assets, Q2 2026
- $203.4M
- Assets vs Q2 2025
- +9.7%
- Members, Q2 2026
- 13,730
- Net worth ratio, Q2 2026
- 15.02%
- Latest call report
- Q2 2026, NCUA 5300 · Financial Trust Federal Credit Union call report
- Asset rank in state
- 59th of 267 in New York
- Routing number
- 222079835
- Branches
- 6
It has 52 fewer members than on June 30, 2025 (-0.4%). Its net worth ratio was up 0.04 percentage points from 14.98% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $46.7M of $110.5M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.51% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 15.02% net worth ratio is above that band's 11.43% median.
Credit unions similar in size in New York
Credit unions merged into Financial Trust Federal Credit Union
S.M.S.D. Federal Credit Union (2022) · Erie Metro Federal Credit Union (2019) · Grand Island Community Federal Credit Union (2014)
Frequently asked about Financial Trust Federal Credit Union
How big is Financial Trust Federal Credit Union?
At Q2 2026 it reported total assets of $203.4M and 13,730 members.
Where is Financial Trust Federal Credit Union headquartered?
It is headquartered in Cheektowaga, NY, United States.
When was Financial Trust Federal Credit Union founded?
It was established in 1950, per NCUA records.
Is Financial Trust Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 6870): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Financial Trust Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Financial Trust Federal Credit Union well capitalized?
Its net worth ratio was 15.02% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Financial Trust Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.51% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Financial Trust Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 64.13% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Cheektowaga, NY 14225
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1950
- NCUA Charter #
- 6870
- RSSD ID
- 575786
- Members
- 13,730
- Potential members
- 1,100,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 2 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 15.02% | 11.43% | 84th top |
| Return on assets Middle half of peers: 0.43% to 1.23% | 1.22% | 0.81% | 74th above |
| Return on equity Middle half of peers: 3.87% to 9.84% | 8.15% | 7.02% | 60th above |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.15% | 3.70% | 19th bottom |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 65.82% | 76.55% | 80th top |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.14% | 1.24% | 58th above |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.51% | 0.68% | 65th above |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 4.28% | 4.92% | 14th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 64.13% | 75.66% | 29th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$203.4M total assets against $185.4M; $172.2M total shares and deposits against $157.1M; $110.5M total loans against $106.9M.
$30.6M net worth against $27.8M.
15.02% net worth ratio against 14.98%.
64.13% loan-to-share ratio against 68.02%.
0.51% delinquency ratio against 0.41%.
1.22% return on assets against 1.68%; 8.15% return on equity against 11.25%.
3.15% net interest margin against 3.37%.
13,730 members against 13,782.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 15.02% | 1.22% | 0.51% | 64.13% |
| March 31, 2026 | 15.09% | 1.28% | 0.47% | 62.99% |
| December 31, 2025 | 15.36% | 1.49% | 0.43% | 66.50% |
| September 30, 2025 | 15.27% | 1.75% | 0.46% | 68.52% |
| June 30, 2025 | 14.98% | 1.68% | 0.41% | 68.02% |
| March 31, 2025 | 14.73% | 1.52% | 0.31% | 65.67% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.