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Financial Trust

Cheektowaga, NY · Charter 6870

NCUA · 7 branches

Q2 2026

$203.4MAssets
$110.5MLoans
$172.2MShares
$30.6MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.24%, down 35 bps year over year; NIM at 3.05%.
  • Asset quality: problem loans at 0.51% of loans (+10 bps YoY).
  • Capital: net worth / assets of 15.02%, up 5 bps from a year ago.
  • Funding: loans stand at 64.13% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.24%-35 bps YoY

Net Interest Margin (quarter, annualized)

3.05%-25 bps YoY

Efficiency Ratio (quarter, annualized)

65.56%+693 bps YoY

Net Worth / Assets

15.02%+5 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.59%1.63%1.57%1.28%1.24%-35 bps
Return on Equity10.63%10.70%10.25%8.50%8.24%-239 bps
Net Interest Margin3.30%3.31%3.27%3.02%3.05%-25 bps
Efficiency Ratio58.63%57.84%59.00%65.31%65.56%+693 bps
Growth
Asset Growth (YoY)6.33%6.74%7.65%8.28%9.69%+337 bps
Loan Growth (YoY)10.66%8.78%7.09%3.48%3.37%-729 bps
Share Growth (YoY)5.61%5.89%7.07%7.89%9.63%+402 bps
Asset Quality
Delinquent Loans / Loans0.41%0.46%0.43%0.47%0.51%+10 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital14.98%15.27%15.36%15.09%15.02%+5 bps
Net Worth / Assets14.98%15.27%15.36%15.09%15.02%+5 bps
Liquidity & Funding
Loans / Shares68.02%68.52%66.50%62.99%64.13%-389 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps