Side-by-side · Q2 2026 data
Cornerstone Community Federal Credit Union vs Kaleida Health Federal Credit Union
Credit union
Cornerstone Community Federal Credit Union
Lockport, New York · $100 million – $1 billion
Credit union
Kaleida Health Federal Credit Union
Buffalo, New York · Under $100 million in assets
Metric by metric
| Measure | Cornerstone Community Federal Credit Union | Kaleida Health Federal Credit Union |
|---|---|---|
| TellerScore | 44 | 90 (stronger) |
| Capital cushion | 27 | 100 (stronger) |
| Loan quality | 32 | 97 (stronger) |
| Earnings | 43 | 66 (stronger) |
| Funding & liquidity | 85 | 86 (stronger) |
| Problem-loan coverage | 62 | 99 (stronger) |
| Peer percentile | 2nd | 89th |
| Total assets | $730.2M | $19.8M |
| Deposits / shares | $671.9M | $16.2M |
| Capital ratio | 7.73% | 17.69% (stronger) |
| Problem loans | 2.04% | 0.10% (stronger) |
| Net charge-offs | 0.12% | -0.09% (stronger) |
| Return on assets | 0.59% | 1.16% (stronger) |
| Loans ÷ deposits | 75.6% | 74.1% (stronger) |
| Uninsured deposits | 4.9% | 0.0% (stronger) |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.9% | — |
Kaleida Health Federal Credit Union has the higher TellerScore (90 vs 44). On the 7 directional measures above (where higher or lower is clearly better), Cornerstone Community Federal Credit Union leads on 0 and Kaleida Health 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.