Side-by-side · Q2 2026 data
Cornerstone Community Federal Credit Union vs Northern Federal Credit Union
Credit union
Cornerstone Community Federal Credit Union
Lockport, New York · $100 million – $1 billion
Credit union
Northern Federal Credit Union
Watertown, New York · $100 million – $1 billion
Metric by metric
| Measure | Cornerstone Community Federal Credit Union | Northern Federal Credit Union |
|---|---|---|
| TellerScore | 44 | 54 (stronger) |
| Capital cushion | 27 | 55 (stronger) |
| Loan quality | 32 | 56 (stronger) |
| Earnings | 43 (stronger) | 26 |
| Funding & liquidity | 85 (stronger) | 69 |
| Problem-loan coverage | 62 | 78 (stronger) |
| Peer percentile | 2nd | 10th |
| Total assets | $730.2M | $698.2M |
| Deposits / shares | $671.9M | $614.7M |
| Capital ratio | 7.73% | 10.48% (stronger) |
| Problem loans | 2.04% | 1.32% (stronger) |
| Net charge-offs | 0.12% (stronger) | 0.33% |
| Return on assets | 0.59% (stronger) | 0.15% |
| Loans ÷ deposits | 75.6% (stronger) | 91.4% |
| Uninsured deposits | 4.9% (stronger) | 6.2% |
| Offices | 6 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.9% | — |
Northern Federal Credit Union has the higher TellerScore (54 vs 44). On the 7 directional measures above (where higher or lower is clearly better), Cornerstone Community Federal Credit Union leads on 4 and Northern Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.