Financial Trust
Cheektowaga, NY · Charter 6870 · Peer group: credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (n=60)
NCUA · 7 branches
Q2 2026
$203.4MAssets
$110.5MLoans
$172.2MShares
$30.6MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 77% of credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (rank 15 of 60).
- Widest gap: net interest margin trails 73% of credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (rank 44 of 60).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.24%
Rank 20 of 60
Net Interest Margin
3.05%
Rank 44 of 60
Efficiency Ratio
65.55%
Rank 15 of 60
Equity / Assets
15.02%
Rank 22 of 60
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.24% | 0.35% | 0.84% | 1.37% | Beats 67% | 20 / 60 | | |
| Return on Equity | 8.24% | 2.76% | 6.36% | 10.04% | Beats 70% | 18 / 60 | | |
| Net Interest Margin | 3.05% | 3.02% | 3.63% | 4.05% | Beats 27% | 44 / 60 | | |
| Efficiency Ratio | 65.55% | 67.68% | 77.48% | 89.33% | Beats 77% | 15 / 60 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.51% | 0.32% | 0.64% | 1.44% | Beats 58% | 26 / 60 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 15.02% | 10.72% | 13.16% | 17.68% | Beats 63% | 22 / 60 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 15.02% | 10.72% | 13.16% | 17.68% | Beats 63% | 22 / 60 | | |
| Liquidity & Funding |
| Loans / Deposits | 64.13% | 43.79% | 55.03% | 72.55% | 62nd pctl | 23 / 60 | | |
| Loans / Assets | 54.31% | 36.50% | 47.22% | 58.67% | 62nd pctl | 23 / 60 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |