Charter 6870 · Cheektowaga, NY
Financial Trust Federal Credit Union
Financial Trust Federal Credit Union is a federally chartered credit union in Cheektowaga, New York, with $203 million in assets and 13,730 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 15.02%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $203 million
- +9.7% in a year
- Members
- 13,730
- -0.4% in a year
- Net worth ratio
- 15.02%
- Peer median 11.65%
- Loans 60+ days late
- 0.51%
- Peer median 0.70%
- Loans outstanding
- $110 million
- +3.4% in a year
- Shares and deposits
- $172 million
- +9.6% in a year
- Branches
- 6
- 28 employees
- Opened
- 1950
- Federal charter
How Financial Trust Federal Credit Union compares
NCUA groups credit unions by size; Financial Trust Federal Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 15.02% is higher than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.51%, is lower than the group median of 0.70%. Loans grew 3.4% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 59 of 268 credit unions headquartered in New York. See all New York credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $203 million | 13,730 | $110 million | 15.02% | 0.51% |
| Q1 2026 | $198 million | 13,676 | $106 million | 15.09% | 0.47% |
| Q4 2025 | $191 million | 13,650 | $107 million | 15.36% | 0.43% |
| Q3 2025 | $187 million | 13,738 | $108 million | 15.27% | 0.46% |
| Q2 2025 | $185 million | 13,782 | $107 million | 14.98% | 0.41% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 1.1 million potential members.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 6 sites for Financial Trust Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Harlem
3333 Harlem Rd, Cheektowaga, NY 14225 - west seneca
4257 Seneca St, West Seneca, NY 14224 - Grand Island
2014 Grand Island Blvd, Grand Island, NY 14072 - Lakeshore
3291 Lake Shore Rd, Blasdell, NY 14219 - Hanover
604 Main Rd, Irving, NY 14081 - Headquarters (main office)
3020 Orchard Park Rd, West Seneca, NY 14224
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology