Side-by-side · Q2 2026 data
Cornerstone Community Federal Credit Union vs Sea Comm Federal Credit Union
Credit union
Cornerstone Community Federal Credit Union
Lockport, New York · $100 million – $1 billion
Metric by metric
| Measure | Cornerstone Community Federal Credit Union | Sea Comm Federal Credit Union |
|---|---|---|
| TellerScore | 44 | 89 (stronger) |
| Capital cushion | 27 | 100 (stronger) |
| Loan quality | 32 | 79 (stronger) |
| Earnings | 43 | 77 (stronger) |
| Funding & liquidity | 85 | 92 (stronger) |
| Problem-loan coverage | 62 | 96 (stronger) |
| Peer percentile | 2nd | 94th |
| Total assets | $730.2M | $777.3M |
| Deposits / shares | $671.9M | $651.4M |
| Capital ratio | 7.73% | 17.96% (stronger) |
| Problem loans | 2.04% | 0.63% (stronger) |
| Net charge-offs | 0.12% (stronger) | 0.25% |
| Return on assets | 0.59% | 1.42% (stronger) |
| Loans ÷ deposits | 75.6% | 68.0% (stronger) |
| Uninsured deposits | 4.9% (stronger) | 5.5% |
| Offices | 6 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.9% | — |
Sea Comm Federal Credit Union has the higher TellerScore (89 vs 44). On the 7 directional measures above (where higher or lower is clearly better), Cornerstone Community Federal Credit Union leads on 2 and Sea Comm Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.