FINANCIAL TRUST
Charter #6870 · Cheektowaga, NY · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 15.09% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.08% sits at the 11th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.07% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 65.31% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- On Return on average assets, the asset-size band puts this credit union at the 83rd percentile but its structural peers at the 66th — a 18-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | FINANCIAL TRUST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $198.33M | 51th pct | 52th pct |
| Members | 13,676 | 52th pct | 59th pct |
| Net worth ratio | 15.09% | 86th pct | 84th pct |
| Return on average assets | 1.31% | 83th pct | 66th pct |
| Net interest margin | 3.08% | 18th pct | 11th pct |
| Cost of funds | 1.30% | 55th pct | 70th pct |
| Loan-to-share | 62.99% | 32th pct | 38th pct |
| Delinquency 60+ days | 0.47% | 38th pct | 38th pct |
| Net charge-off ratio | -0.07% | 1th pct | 0th pct |
| Loan growth YoY | -2.36% | 22th pct | 28th pct |
| Share growth YoY | 6.21% | 82th pct | 80th pct |
| Efficiency ratio | 65.31% | 16th pct | 25th pct |
structural peer set hash: dbdaa9fd6da3d23e2918924bddf0c5d4… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.