FINANCIAL TRUST
Federal • Cheektowaga, New York • Est. 1950
Quick Facts
- Charter Number
- #6870
- Type
- Federal
- Established
- 1950
- Headquarters
- Cheektowaga, New York 14225
- Address
- 3333 Harlem Rd
- Branches
- 6
- ATMs
- 5
- Members
- 13,650
- Membership Type
- Other/Unknown
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
13,650 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | FINANCIAL TRUST |
|---|---|
| Total Assets | $190.7M |
| Members | 13,650 |
| Loans Outstanding | $107.1M |
| Shares & Deposits | $161.0M |
| Net Worth | $29.3M |
| Net Worth Ratio | 15.36% |
| Loan-to-Share Ratio | 66.5% |
| Delinquency Rate | 0.43% |
| Net Income | +$3,125,069 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
6 locations · 5 ATMs
Harlem
Main Office3333 Harlem Rd
Cheektowaga, NY 14225
west seneca
4257 Seneca St
West Seneca, NY 14224
Grand Island
2014 Grand Island Blvd
Grand Island, NY 14072
Orchard Park 6520 Webster Rd
6520 Webster Rd
Orchard Park, NY 14127
Lakeshore
3291 Lake Shore Rd
Blasdell, NY 14219
Who Can Join FINANCIAL TRUST?
Membership Type: Other/Unknown
Membership eligibility for FINANCIAL TRUST may vary. Contact the credit union directly to confirm qualification requirements.
Contact FINANCIAL TRUST directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View New York RankingsFrequently Asked Questions
Yes. FINANCIAL TRUST is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, FINANCIAL TRUST has 13,650 members and a potential membership field of 1,100,000 people.
FINANCIAL TRUST's net worth ratio is 15.36% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 15.4%, FINANCIAL TRUST meets this threshold.
FINANCIAL TRUST operates 6 branch locations and has access to 5 ATMs. The main office is located at 3333 Harlem Rd, Cheektowaga, NY 14225.
FINANCIAL TRUST was established in 1950. It is a federal credit union chartered under charter number 6870. The institution has been serving members for 76 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or FINANCIAL TRUST. All financial data is for informational purposes only.