Side-by-side · Q2 2026 data
Cornerstone Community Bank vs Owensboro Federal Credit Union
Credit union
Owensboro Federal Credit Union
Owensboro, Kentucky · Under $100 million in assets
Metric by metric
| Measure | Cornerstone Community Bank | Owensboro Federal Credit Union |
|---|---|---|
| TellerScore | 74 | 88 (stronger) |
| Capital cushion | 100 (stronger) | 92 |
| Loan quality | 100 (stronger) | 91 |
| Earnings | 7 | 62 (stronger) |
| Funding & liquidity | 50 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 51st | 85th |
| Total assets | $44.5M | $88.3M |
| Deposits / shares | $19.9M | $75.0M |
| Capital ratio | 277.16% (stronger) | 14.21% |
| Problem loans | 0.00% (stronger) | 0.26% |
| Net charge-offs | 0.00% (stronger) | 0.16% |
| Return on assets | -0.34% | 1.05% (stronger) |
| Loans ÷ deposits | 14.3% (stronger) | 48.2% |
| Uninsured deposits | 63.3% | 2.0% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Owensboro Federal Credit Union has the higher TellerScore (88 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Cornerstone Community Bank leads on 4 and Owensboro Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.