Side-by-side · Q2 2026 data
McDowell Cornerstone Credit Union vs Emergency Responders Credit Union
Credit union
McDowell Cornerstone Credit Union
Marion, North Carolina · Under $100 million in assets
Credit union
Emergency Responders Credit Union
Winston Salem, North Carolina · Under $100 million in assets
Metric by metric
| Measure | McDowell Cornerstone Credit Union | Emergency Responders Credit Union |
|---|---|---|
| TellerScore | 70 (stronger) | 57 |
| Capital cushion | 100 (stronger) | 31 |
| Loan quality | 16 | 72 (stronger) |
| Earnings | 72 (stronger) | 50 |
| Funding & liquidity | 88 (stronger) | 73 |
| Problem-loan coverage | 83 | 84 (stronger) |
| Peer percentile | 40th | 17th |
| Total assets | $38.3M | $30.2M |
| Deposits / shares | $30.9M | $27.5M |
| Capital ratio | 17.72% (stronger) | 8.12% |
| Problem loans | 2.53% | 0.84% (stronger) |
| Net charge-offs | 0.46% (stronger) | 1.96% |
| Return on assets | 1.31% (stronger) | 0.75% |
| Loans ÷ deposits | 72.6% (stronger) | 87.4% |
| Uninsured deposits | 4.7% (stronger) | 11.3% |
| Offices | 0 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
McDowell Cornerstone Credit Union has the higher TellerScore (70 vs 57). On the 7 directional measures above (where higher or lower is clearly better), McDowell Cornerstone Credit Union leads on 6 and Emergency Responders Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.