Side-by-side · Q2 2026 data
Buffalo Conrail Federal Credit Union vs Cornerstone Community Federal Credit Union
Credit union
Buffalo Conrail Federal Credit Union
Cheektowaga, New York · Under $100 million in assets
Credit union
Cornerstone Community Federal Credit Union
Lockport, New York · $100 million – $1 billion
Metric by metric
| Measure | Buffalo Conrail Federal Credit Union | Cornerstone Community Federal Credit Union |
|---|---|---|
| TellerScore | 91 (stronger) | 44 |
| Capital cushion | 100 (stronger) | 27 |
| Loan quality | 94 (stronger) | 32 |
| Earnings | 88 (stronger) | 43 |
| Funding & liquidity | 67 | 85 (stronger) |
| Problem-loan coverage | 99 (stronger) | 62 |
| Peer percentile | 90th | 2nd |
| Total assets | $61.0M | $730.2M |
| Deposits / shares | $47.1M | $671.9M |
| Capital ratio | 22.26% (stronger) | 7.73% |
| Problem loans | 0.17% (stronger) | 2.04% |
| Net charge-offs | 0.18% | 0.12% (stronger) |
| Return on assets | 1.69% (stronger) | 0.59% |
| Loans ÷ deposits | 93.2% | 75.6% (stronger) |
| Uninsured deposits | 3.9% (stronger) | 4.9% |
| Offices | 1 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 13.9% |
Buffalo Conrail Federal Credit Union has the higher TellerScore (91 vs 44). On the 7 directional measures above (where higher or lower is clearly better), Buffalo Conrail Federal Credit Union leads on 5 and Cornerstone Community Federal Credit Union on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.