Side-by-side · Q2 2026 data
Cobblestone Country Federal Credit Union vs U. H. S. Employees Federal Credit Union
Credit union
Cobblestone Country Federal Credit Union
Albion, New York · Under $100 million in assets
Credit union
U. H. S. Employees Federal Credit Union
Johnson City, New York · Under $100 million in assets
Metric by metric
| Measure | Cobblestone Country Federal Credit Union | U. H. S. Employees Federal Credit Union |
|---|---|---|
| TellerScore | 94 (stronger) | 72 |
| Capital cushion | 99 (stronger) | 57 |
| Loan quality | 87 (stronger) | 65 |
| Earnings | 100 (stronger) | 75 |
| Funding & liquidity | 83 | 100 (stronger) |
| Problem-loan coverage | 96 (stronger) | 91 |
| Peer percentile | 95th | 44th |
| Total assets | $24.7M | $25.6M |
| Deposits / shares | $21.0M | $22.7M |
| Capital ratio | 14.85% (stronger) | 10.66% |
| Problem loans | 0.40% (stronger) | 1.05% |
| Net charge-offs | 0.41% | -0.02% (stronger) |
| Return on assets | 2.83% (stronger) | 1.38% |
| Loans ÷ deposits | 77.6% | 53.6% (stronger) |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Cobblestone Country Federal Credit Union has the higher TellerScore (94 vs 72). On the 6 directional measures above (where higher or lower is clearly better), Cobblestone Country Federal Credit Union leads on 4 and U. H. S. Employees Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.