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
- 13,676
- Membership Type
- Other/Unknown
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 10% and a delinquency rate below 1%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
13,676 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | FINANCIAL TRUST |
|---|---|
| Total Assets | $198.3M |
| Members | 13,676 |
| Loans Outstanding | $105.7M |
| Shares & Deposits | $167.9M |
| Net Worth | $29.9M |
| Net Worth Ratio | 15.09% |
| Loan-to-Share Ratio | 63.0% |
| Delinquency Rate | 0.47% |
| Net Income | +$0 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
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.
Find More Credit Unions in New York
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View New York RankingsFrequently Asked Questions
FINANCIAL TRUST is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, FINANCIAL TRUST has 13,676 members and a potential membership field of 1,100,000 people.
FINANCIAL TRUST's reported net worth ratio is 15.09% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
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 (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or FINANCIAL TRUST. All financial data is for informational purposes only.