CU Explorer
Credit unions · New York · Q2 2026

Financial Trust FCU

Credit union in Cheektowaga, NY · NCUA charter #6870 · Federal charter

Legal name: Financial Trust

Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.

Total assets$203M
Total loans & leases$110M
Total shares & deposits$172M
Members13,730
Net worth$30.6M
Net worth / assets15.02%
Loans / assets54.31%
Return on assets (annualized)1.24%
Loan growth (YoY)3.37%
Member growth (YoY)−0.38%
Delinquency, all loans (60+ days)0.51%
CharterFederal charter
Asset band$50M–$250M
NCUA peer group$100M–$500M
Sponsor typeCommunity

AI readiness

No public evidence

Nothing public says the credit union uses AI.

No public evidence found as of 2026-09-22. Checked: its website, announcements by AI vendors, news search. Absence of evidence is not evidence of absence; a credit union may use AI without saying so publicly.

Filed signals, from the credit union's own NCUA call report (Q2 2026): uses fintech partners, fintech mortgage lending, online membership application, online loan application, online account opening, online loan payments, bill payment, e-signature, e-Statements, remote deposit capture, mobile payments. These are relationships and channels, not AI as such.

The AI Score runs from one to five stars; one star, no public evidence, is never shown on a credit union. Scores and sources for every credit union: CU AI Ready Report.

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