Side-by-side · Q2 2026 data
Carolina Cooperative vs McDowell Cornerstone Credit Union
Credit union
McDowell Cornerstone Credit Union
Marion, North Carolina · Under $100 million in assets
Metric by metric
| Measure | Carolina Cooperative | McDowell Cornerstone Credit Union |
|---|---|---|
| TellerScore | 64 | 70 (stronger) |
| Capital cushion | 92 | 100 (stronger) |
| Loan quality | 42 (stronger) | 16 |
| Earnings | 30 | 72 (stronger) |
| Funding & liquidity | 80 | 88 (stronger) |
| Problem-loan coverage | 83 | 83 |
| Peer percentile | 28th | 40th |
| Total assets | $46.3M | $38.3M |
| Deposits / shares | $39.4M | $30.9M |
| Capital ratio | 14.17% | 17.72% (stronger) |
| Problem loans | 1.73% (stronger) | 2.53% |
| Net charge-offs | 0.58% | 0.46% (stronger) |
| Return on assets | 0.26% | 1.31% (stronger) |
| Loans ÷ deposits | 80.0% | 72.6% (stronger) |
| Uninsured deposits | 3.5% (stronger) | 4.7% |
| Offices | 3 | 0 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
McDowell Cornerstone Credit Union has the higher TellerScore (70 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Carolina Cooperative leads on 2 and McDowell Cornerstone Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.