Side-by-side · Q2 2026 data
Cha-Tel Federal Credit Union vs Cornerstone Community Financial Credit Union
Credit union
Cha-Tel Federal Credit Union
Charleston, West Virginia · Under $100 million in assets
Credit union
Cornerstone Community Financial Credit Union
Auburn Hills, Michigan · $100 million – $1 billion
Metric by metric
| Measure | Cha-Tel Federal Credit Union | Cornerstone Community Financial Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 62 |
| Capital cushion | 86 (stronger) | 71 |
| Loan quality | 99 (stronger) | 61 |
| Earnings | 53 (stronger) | 46 |
| Funding & liquidity | 100 (stronger) | 56 |
| Problem-loan coverage | 100 (stronger) | 82 |
| Peer percentile | 80th | 26th |
| Total assets | $11.5M | $470.1M |
| Deposits / shares | $9.9M | $361.8M |
| Capital ratio | 13.62% (stronger) | 12.05% |
| Problem loans | 0.04% (stronger) | 1.18% |
| Net charge-offs | 0.44% (stronger) | 0.87% |
| Return on assets | 0.81% (stronger) | 0.66% |
| Loans ÷ deposits | 59.7% (stronger) | 104.3% |
| Uninsured deposits | 1.8% (stronger) | 5.7% |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 31.3% |
Cha-Tel Federal Credit Union has the higher TellerScore (86 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Cha-Tel Federal Credit Union leads on 7 and Cornerstone Community Financial Credit Union on 0. 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.