Federal credit union · Cheektowaga, New York · NCUA charter #6870
Financial Trust
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $190.7M
- Total assets
- 13,650
- Members
- 15.1%
- Net-worth ratio
Financial Trust scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $190.7M; members 13,650; net-worth ratio 15.09%; health rank #593 of 4,374; healthier than 84th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#593 of 4,374 health · 2025Q4Financial Trust · health 93/100 · $190.7M · 2025Q4
Call Report peers
Financial Trust in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Financial Trust vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Financial Trust sits in 90-94 with 747 others.
93 Top 16% higher than 84% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Financial Trust vs $100M–$500M peers
- Net Worth Ratio leads the peer set - 15.09% here, 12.11% peer average (+2.98 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -5.70 pp (66.50% vs 72.20%).
Financial Trust in New York
- In New York, health place is #30 of 272 on the same NCUA-ratio sort used nationally.
- Assets rank #59 of 272 inside New York ($190.7M reported).
- New York membership ordinal: #58 of 272.
- One place up in New York, New York University (#29) ties at 93/100; one place down, High Point (#31) ties at 93/100.
How Financial Trust's 5300 filing moved
Financial Trust: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.0% from $190.7M (2025Q4) to $198.3M (2026Q1).
- Net-worth ratio shifted -0.27 pp (15.36% → 15.09%).
At 15.09%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 93/100 score is built
Financial Trust gives up 7 points in total. Member Growth costs the most, 6.6 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 8.4 pts
- Loan-to-Share Ratio 14.6 pts
Financial Trust vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.09% | +2.98 pp |
| Delinquency Rate | 0.43% | -0.47 pp |
| Return on Assets | 1.57% | +0.95 pp |
| Member Growth | -0.36% | - |
| Loan-to-Share Ratio | 66.50% | -5.70 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $198.3M | - |
| 2025Q4 | $190.7M | 13,650 |
| 2024Q4 | $177.2M | 13,699 |
| 2023Q4 | $167.0M | 13,586 |
Credit Union Details
- Charter Number
- 6870
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- New York
- City
- Cheektowaga
- Data Quarter
- 2025Q4
Branch Locations (6)
Per its most recent NCUA branch filing, Financial Trust runs 6 offices in 6 different cities.
| Office | City |
|---|---|
| Harlem (Main Office) | Cheektowaga, NY |
| Lakeshore | Blasdell, NY |
| Grand Island | Grand Island, NY |
| Hanover | Irving, NY |
| Orchard Park 6520 Webster Rd | Orchard Park, NY |
| west seneca | West Seneca, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
A look at other New York credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for Financial Trust
Using this data
- Financial Trust ranks #593 of 4,374 nationally on financial health and #30 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Ontario Shores is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Ontario Shores
Frequently Asked Questions
Is Financial Trust financially healthy?
On its 2025Q4 NCUA 5300 filing, Financial Trust scores 93/100 (Excellent), with a 15.09% net worth ratio and 0.43% of loans delinquent. It ranks #593 of 4,374 nationally on health and #30 of 272 in New York.
How does Financial Trust compare to other credit unions?
Financial Trust scores 93/100, higher than 84% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (15.09% vs 12.11%). Its widest shortfall is loan-to-share ratio (66.50% vs 72.20%).
How can I join Financial Trust?
Financial Trust operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Financial Trust directly for the exact boundaries and application steps.
Is my money safe at Financial Trust?
Financial Trust is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Financial Trust's net worth ratio of 15.09% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.