Side-by-side · Q2 2026 data
Cobblestone Country Federal Credit Union vs Tonawanda Valley Federal Credit Union
Credit union
Cobblestone Country Federal Credit Union
Albion, New York · Under $100 million in assets
Credit union
Tonawanda Valley Federal Credit Union
Batavia, New York · $100 million – $1 billion
Metric by metric
| Measure | Cobblestone Country Federal Credit Union | Tonawanda Valley Federal Credit Union |
|---|---|---|
| TellerScore | 94 (stronger) | 82 |
| Capital cushion | 99 (stronger) | 61 |
| Loan quality | 87 | 94 (stronger) |
| Earnings | 100 (stronger) | 77 |
| Funding & liquidity | 83 | 100 (stronger) |
| Problem-loan coverage | 96 | 98 (stronger) |
| Peer percentile | 95th | 82nd |
| Total assets | $24.7M | $170.7M |
| Deposits / shares | $21.0M | $151.1M |
| Capital ratio | 14.85% (stronger) | 11.09% |
| Problem loans | 0.40% | 0.19% (stronger) |
| Net charge-offs | 0.41% | 0.19% (stronger) |
| Return on assets | 2.83% (stronger) | 1.42% |
| Loans ÷ deposits | 77.6% | 56.6% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 1.1% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Cobblestone Country Federal Credit Union has the higher TellerScore (94 vs 82). On the 7 directional measures above (where higher or lower is clearly better), Cobblestone Country Federal Credit Union leads on 4 and Tonawanda Valley Federal Credit Union on 3. 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.