Side-by-side · Q2 2026 data
Loc Credit Union vs Cornerstone Community Financial Credit Union
Credit union
Cornerstone Community Financial Credit Union
Auburn Hills, Michigan · $100 million – $1 billion
Metric by metric
| Measure | Loc Credit Union | Cornerstone Community Financial Credit Union |
|---|---|---|
| TellerScore | 74 (stronger) | 62 |
| Capital cushion | 52 | 71 (stronger) |
| Loan quality | 88 (stronger) | 61 |
| Earnings | 60 (stronger) | 46 |
| Funding & liquidity | 100 (stronger) | 56 |
| Problem-loan coverage | 96 (stronger) | 82 |
| Peer percentile | 63rd | 26th |
| Total assets | $485.0M | $470.1M |
| Deposits / shares | $434.2M | $361.8M |
| Capital ratio | 10.16% | 12.05% (stronger) |
| Problem loans | 0.36% (stronger) | 1.18% |
| Net charge-offs | 0.11% (stronger) | 0.87% |
| Return on assets | 1.00% (stronger) | 0.66% |
| Loans ÷ deposits | 57.3% (stronger) | 104.3% |
| Uninsured deposits | 4.9% (stronger) | 5.7% |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 33.0% | 31.3% |
Loc Credit Union has the higher TellerScore (74 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Loc Credit Union leads on 6 and Cornerstone Community Financial Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.