Side-by-side · Q2 2026 data
Cornerstone Bank vs Leominster Employees Federal Credit Union
Credit union
Leominster Employees Federal Credit Union
Leominster, Massachusetts · Under $100 million in assets
Metric by metric
| Measure | Cornerstone Bank | Leominster Employees Federal Credit Union |
|---|---|---|
| TellerScore | 60 | 80 (stronger) |
| Capital cushion | 42 | 62 (stronger) |
| Loan quality | 88 | 100 (stronger) |
| Earnings | 45 | 56 (stronger) |
| Funding & liquidity | 47 | 100 (stronger) |
| Problem-loan coverage | 94 | 100 (stronger) |
| Peer percentile | 21st | 65th |
| Total assets | $2.6B | $30.0M |
| Deposits / shares | $1.9B | $26.4M |
| Capital ratio | 9.22% | 11.20% (stronger) |
| Problem loans | 0.35% | 0.01% (stronger) |
| Net charge-offs | 0.04% | -0.01% (stronger) |
| Return on assets | 0.63% | 0.90% (stronger) |
| Loans ÷ deposits | 99.4% | 53.5% (stronger) |
| Uninsured deposits | 27.4% | 0.3% (stronger) |
| Offices | 17 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.6% | — |
Leominster Employees Federal Credit Union has the higher TellerScore (80 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Cornerstone Bank leads on 0 and Leominster Employees Federal Credit Union on 7. 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.