{
  "slug": "first-trust",
  "name": "First Trust",
  "shortName": "First Trust",
  "type": "credit-union",
  "ncuaCharter": "68596",
  "hqCity": "Michigan City",
  "hqState": "IN",
  "totalAssets": 192614494,
  "totalAssetsUnit": "usd",
  "description": "Credit union headquartered in Michigan City, IN.",
  "profileSourceName": "NCUA 5300 Call Report",
  "profileSourceUrl": "https://ncua.gov/files/publications/analysis/call-report-data-2026-03.zip",
  "profileLastVerified": "2026-03-31",
  "indexableRoutingCount": 2,
  "verifiedRoutingEvidenceCount": 0,
  "routingLookupEvidenceCount": 0,
  "routingStateCoverage": [
    "IL",
    "IN",
    "OK",
    "SD",
    "TX",
    "VA"
  ],
  "routingNumbers": [
    {
      "number": "271291457",
      "kind": "ach",
      "transferTypes": [
        "ACH"
      ],
      "label": "First Trust cross-checked routing number",
      "state": "IN",
      "verificationStatus": "cross-checked",
      "statusNote": "Cross-checked across 5 public candidate source families; not verified against an official bank source.",
      "sourceName": "5 public routing candidate source families",
      "sourceUrl": "https://github.com/moov-io/fed",
      "crossCheckSourceCount": 5,
      "lastReviewed": "2026-06-28"
    },
    {
      "number": "271291884",
      "kind": "ach",
      "transferTypes": [
        "ACH"
      ],
      "label": "First Trust cross-checked routing number",
      "state": "IN",
      "verificationStatus": "cross-checked",
      "statusNote": "Cross-checked across 5 public candidate source families; not verified against an official bank source.",
      "sourceName": "5 public routing candidate source families",
      "sourceUrl": "https://github.com/moov-io/fed",
      "crossCheckSourceCount": 5,
      "lastReviewed": "2026-06-28"
    },
    {
      "number": "051404464",
      "kind": "ach",
      "transferTypes": [
        "ACH",
        "domestic wire"
      ],
      "label": "First Trust unverified routing candidate",
      "state": "VA",
      "verificationStatus": "unverified",
      "statusNote": "5 public candidate source families mention this routing number, but matched-bank support is below the cross-checked threshold and fin.codes has not verified it against an official bank source.",
      "sourceName": "moov-io/fed FedACH snapshot",
      "sourceUrl": "https://github.com/moov-io/fed",
      "lastReviewed": "2026-06-28"
    },
    {
      "number": "071925538",
      "kind": "ach",
      "transferTypes": [
        "ACH",
        "domestic wire"
      ],
      "label": "First Trust unverified routing candidate",
      "state": "IL",
      "verificationStatus": "unverified",
      "statusNote": "5 public candidate source families mention this routing number, but matched-bank support is below the cross-checked threshold and fin.codes has not verified it against an official bank source.",
      "sourceName": "moov-io/fed FedACH snapshot",
      "sourceUrl": "https://github.com/moov-io/fed",
      "lastReviewed": "2026-06-28"
    },
    {
      "number": "091400606",
      "kind": "ach",
      "transferTypes": [
        "ACH",
        "domestic wire"
      ],
      "label": "First Trust unverified routing candidate",
      "state": "SD",
      "verificationStatus": "unverified",
      "statusNote": "5 public candidate source families mention this routing number, but matched-bank support is below the cross-checked threshold and fin.codes has not verified it against an official bank source.",
      "sourceName": "moov-io/fed FedACH snapshot",
      "sourceUrl": "https://github.com/moov-io/fed",
      "lastReviewed": "2026-06-28"
    },
    {
      "number": "091408446",
      "kind": "ach",
      "transferTypes": [
        "ACH",
        "domestic wire"
      ],
      "label": "First Trust unverified routing candidate",
      "state": "SD",
      "verificationStatus": "unverified",
      "statusNote": "5 public candidate source families mention this routing number, but matched-bank support is below the cross-checked threshold and fin.codes has not verified it against an official bank source.",
      "sourceName": "moov-io/fed FedACH snapshot",
      "sourceUrl": "https://github.com/moov-io/fed",
      "lastReviewed": "2026-06-28"
    },
    {
      "number": "103101631",
      "kind": "ach",
      "transferTypes": [
        "ACH",
        "domestic wire"
      ],
      "label": "First Trust unverified routing candidate",
      "state": "OK",
      "verificationStatus": "unverified",
      "statusNote": "5 public candidate source families mention this routing number, but matched-bank support is below the cross-checked threshold and fin.codes has not verified it against an official bank source.",
      "sourceName": "moov-io/fed FedACH snapshot",
      "sourceUrl": "https://github.com/moov-io/fed",
      "lastReviewed": "2026-06-28"
    },
    {
      "number": "103102106",
      "kind": "ach",
      "transferTypes": [
        "ACH",
        "domestic wire"
      ],
      "label": "First Trust unverified routing candidate",
      "state": "OK",
      "verificationStatus": "unverified",
      "statusNote": "5 public candidate source families mention this routing number, but matched-bank support is below the cross-checked threshold and fin.codes has not verified it against an official bank source.",
      "sourceName": "moov-io/fed FedACH snapshot",
      "sourceUrl": "https://github.com/moov-io/fed",
      "lastReviewed": "2026-06-28"
    },
    {
      "number": "111302545",
      "kind": "ach",
      "transferTypes": [
        "ACH",
        "domestic wire"
      ],
      "label": "First Trust unverified routing candidate",
      "state": "TX",
      "verificationStatus": "unverified",
      "statusNote": "5 public candidate source families mention this routing number, but matched-bank support is below the cross-checked threshold and fin.codes has not verified it against an official bank source.",
      "sourceName": "moov-io/fed FedACH snapshot",
      "sourceUrl": "https://github.com/moov-io/fed",
      "lastReviewed": "2026-06-28"
    },
    {
      "number": "111304051",
      "kind": "ach",
      "transferTypes": [
        "ACH",
        "domestic wire"
      ],
      "label": "First Trust unverified routing candidate",
      "state": "TX",
      "verificationStatus": "unverified",
      "statusNote": "5 public candidate source families mention this routing number, but matched-bank support is below the cross-checked threshold and fin.codes has not verified it against an official bank source.",
      "sourceName": "moov-io/fed FedACH snapshot",
      "sourceUrl": "https://github.com/moov-io/fed",
      "lastReviewed": "2026-06-28"
    },
    {
      "number": "111304404",
      "kind": "ach",
      "transferTypes": [
        "ACH"
      ],
      "label": "First Trust unverified routing candidate",
      "state": "TX",
      "verificationStatus": "unverified",
      "statusNote": "5 public candidate source families mention this routing number, but matched-bank support is below the cross-checked threshold and fin.codes has not verified it against an official bank source.",
      "sourceName": "moov-io/fed FedACH snapshot",
      "sourceUrl": "https://github.com/moov-io/fed",
      "lastReviewed": "2026-06-28"
    },
    {
      "number": "111311413",
      "kind": "ach",
      "transferTypes": [
        "ACH"
      ],
      "label": "First Trust unverified routing candidate",
      "state": "TX",
      "verificationStatus": "unverified",
      "statusNote": "5 public candidate source families mention this routing number, but matched-bank support is below the cross-checked threshold and fin.codes has not verified it against an official bank source.",
      "sourceName": "moov-io/fed FedACH snapshot",
      "sourceUrl": "https://github.com/moov-io/fed",
      "lastReviewed": "2026-06-28"
    },
    {
      "number": "111319347",
      "kind": "ach",
      "transferTypes": [
        "ACH",
        "domestic wire"
      ],
      "label": "First Trust unverified routing candidate",
      "state": "TX",
      "verificationStatus": "unverified",
      "statusNote": "5 public candidate source families mention this routing number, but matched-bank support is below the cross-checked threshold and fin.codes has not verified it against an official bank source.",
      "sourceName": "moov-io/fed FedACH snapshot",
      "sourceUrl": "https://github.com/moov-io/fed",
      "lastReviewed": "2026-06-28"
    },
    {
      "number": "111324895",
      "kind": "ach",
      "transferTypes": [
        "ACH"
      ],
      "label": "First Trust unverified routing candidate",
      "state": "TX",
      "verificationStatus": "unverified",
      "statusNote": "5 public candidate source families mention this routing number, but matched-bank support is below the cross-checked threshold and fin.codes has not verified it against an official bank source.",
      "sourceName": "moov-io/fed FedACH snapshot",
      "sourceUrl": "https://github.com/moov-io/fed",
      "lastReviewed": "2026-06-28"
    },
    {
      "number": "111907775",
      "kind": "ach",
      "transferTypes": [
        "ACH"
      ],
      "label": "First Trust unverified routing candidate",
      "state": "TX",
      "verificationStatus": "unverified",
      "statusNote": "5 public candidate source families mention this routing number, but matched-bank support is below the cross-checked threshold and fin.codes has not verified it against an official bank source.",
      "sourceName": "moov-io/fed FedACH snapshot",
      "sourceUrl": "https://github.com/moov-io/fed",
      "lastReviewed": "2026-06-28"
    },
    {
      "number": "111908004",
      "kind": "ach",
      "transferTypes": [
        "ACH"
      ],
      "label": "First Trust unverified routing candidate",
      "state": "TX",
      "verificationStatus": "unverified",
      "statusNote": "5 public candidate source families mention this routing number, but matched-bank support is below the cross-checked threshold and fin.codes has not verified it against an official bank source.",
      "sourceName": "moov-io/fed FedACH snapshot",
      "sourceUrl": "https://github.com/moov-io/fed",
      "lastReviewed": "2026-06-28"
    },
    {
      "number": "111912401",
      "kind": "ach",
      "transferTypes": [
        "ACH"
      ],
      "label": "First Trust unverified routing candidate",
      "state": "TX",
      "verificationStatus": "unverified",
      "statusNote": "5 public candidate source families mention this routing number, but matched-bank support is below the cross-checked threshold and fin.codes has not verified it against an official bank source.",
      "sourceName": "moov-io/fed FedACH snapshot",
      "sourceUrl": "https://github.com/moov-io/fed",
      "lastReviewed": "2026-06-28"
    },
    {
      "number": "311373125",
      "kind": "ach",
      "transferTypes": [
        "ACH"
      ],
      "label": "First Trust unverified routing candidate",
      "state": "TX",
      "verificationStatus": "unverified",
      "statusNote": "5 public candidate source families mention this routing number, but matched-bank support is below the cross-checked threshold and fin.codes has not verified it against an official bank source.",
      "sourceName": "moov-io/fed FedACH snapshot",
      "sourceUrl": "https://github.com/moov-io/fed",
      "lastReviewed": "2026-06-28"
    },
    {
      "number": "091201818",
      "kind": "ach",
      "transferTypes": [
        "ACH"
      ],
      "label": "First Trust unverified routing candidate",
      "state": "SD",
      "verificationStatus": "unverified",
      "statusNote": "3 public candidate source families mention this routing number, but matched-bank support is below the cross-checked threshold and fin.codes has not verified it against an official bank source.",
      "sourceName": "wealthsimple/frb-participants FedACH JSON",
      "sourceUrl": "https://github.com/wealthsimple/frb-participants",
      "lastReviewed": "2026-06-28"
    },
    {
      "number": "091406121",
      "kind": "ach",
      "transferTypes": [
        "ACH"
      ],
      "label": "First Trust unverified routing candidate",
      "state": "SD",
      "verificationStatus": "unverified",
      "statusNote": "3 public candidate source families mention this routing number, but matched-bank support is below the cross-checked threshold and fin.codes has not verified it against an official bank source.",
      "sourceName": "wealthsimple/frb-participants FedACH JSON",
      "sourceUrl": "https://github.com/wealthsimple/frb-participants",
      "lastReviewed": "2026-06-28"
    },
    {
      "number": "103101725",
      "kind": "ach",
      "transferTypes": [
        "ACH"
      ],
      "label": "First Trust unverified routing candidate",
      "state": "OK",
      "verificationStatus": "unverified",
      "statusNote": "3 public candidate source families mention this routing number, but matched-bank support is below the cross-checked threshold and fin.codes has not verified it against an official bank source.",
      "sourceName": "wealthsimple/frb-participants FedACH JSON",
      "sourceUrl": "https://github.com/wealthsimple/frb-participants",
      "lastReviewed": "2026-06-28"
    }
  ],
  "relatedBanks": [
    "1st-source-bank",
    "a-h-e-plant-3",
    "advance-financial",
    "advantageplus-of-indiana"
  ],
  "lastVerified": "2026-06-28",
  "dataScore": {
    "value": 81,
    "grade": "strong",
    "label": "Strong coverage",
    "summary": "Strong coverage: uses multi-source cross-checked routing candidates. The score reflects source depth and confidence, not bank safety or product quality.",
    "components": [
      {
        "id": "profile",
        "label": "Profile facts",
        "value": 67,
        "description": "Source-stamped profile includes the core institution identity and headquarters facts."
      },
      {
        "id": "routing",
        "label": "Routing confidence",
        "value": 76,
        "description": "2 indexable routing records (0 verified, 2 cross-checked)."
      },
      {
        "id": "review",
        "label": "Review coverage",
        "value": 92,
        "description": "19 routing candidates cleared by automated review."
      },
      {
        "id": "freshness",
        "label": "Freshness",
        "value": 100,
        "description": "Profile and routing source dates are recent for this build."
      }
    ],
    "reviewSignals": {
      "automatedReviewedCandidates": 19,
      "humanReviewedCandidates": 0,
      "manualReviewCandidates": 0
    },
    "factors": [
      "Regulator or official profile source",
      "NCUA charter linked",
      "2 cross-checked routing candidates",
      "19 unverified routing candidates",
      "19 auto-reviewed routing candidates",
      "Recently reviewed source dates"
    ]
  },
  "routingProof": {
    "value": 45,
    "grade": "cross-checked",
    "label": "Cross-checked"
  }
}