Financial Trust Federal Credit Union

Cheektowaga, NY

Rating Date

September 2025

Net Capital
Ratio

Leverage
Ratio

Return On
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Total
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Capital

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Weiss Ratings	Financial Trust Federal Credit Union Cheektowaga, NY	Click to Compare	Click to Compare	Click to Compare
Rating	A
Asset Quality Index	10.00
Capitalization Index	10.00
Liquidity Index	5.00
Profitability Index	9.80
Stability Index	8.00

Company Info	Financial Trust Federal Credit Union Cheektowaga, NY	Click to Compare	Click to Compare	Click to Compare
NCUA Charter Number	1537
Phone Number	(716) 831-3007
Website	www.financialtrustfederalcreditunion.com/

Asset Quality	Financial Trust Federal Credit Union Cheektowaga, NY	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	6.33%
5-Year Asset Growth	7.76%
5-Year Charge-Offs to Average Loans	0.09%
Charge-Offs to Average Loans	-0.04%
Non-Performing Assets to Assets	0.23%
Non-Performing Loans to Capital	1.52%
Non-Performing Loans to Loans	0.41%

Balance Sheet	Financial Trust Federal Credit Union Cheektowaga, NY	Click to Compare	Click to Compare	Click to Compare
Total Assets	185.39M
Total Deposits	157.09M

Capital and Reserves	Financial Trust Federal Credit Union Cheektowaga, NY	Click to Compare	Click to Compare	Click to Compare
Capital	27.86M
Leverage Ratio	14.98
Loan Loss Reserves to Loans	0.50%

Liquidity	Financial Trust Federal Credit Union Cheektowaga, NY	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	6.91%
Liquidity Ratio	27.64%

Profitability	Financial Trust Federal Credit Union Cheektowaga, NY	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	1.23%
Net Income	1.48M
Net Interest Spread	3.73%
Operating Profit to Average Assets	1.69%
Overhead Efficiency Ratio	58.63%
Return on Assets	1.62%
Return on Equity	10.88%