Side-by-side · Q2 2026 data
Shuford Federal Credit Union vs McDowell Cornerstone Credit Union
Credit union
Shuford Federal Credit Union
Hickory, North Carolina · Under $100 million in assets
Credit union
McDowell Cornerstone Credit Union
Marion, North Carolina · Under $100 million in assets
Metric by metric
| Measure | Shuford Federal Credit Union | McDowell Cornerstone Credit Union |
|---|---|---|
| TellerScore | 75 (stronger) | 70 |
| Capital cushion | 87 | 100 (stronger) |
| Loan quality | 70 (stronger) | 16 |
| Earnings | 65 | 72 (stronger) |
| Funding & liquidity | 66 | 88 (stronger) |
| Problem-loan coverage | 89 (stronger) | 83 |
| Peer percentile | 52nd | 40th |
| Total assets | $36.1M | $38.3M |
| Deposits / shares | $30.5M | $30.9M |
| Capital ratio | 13.71% | 17.72% (stronger) |
| Problem loans | 0.89% (stronger) | 2.53% |
| Net charge-offs | 0.13% (stronger) | 0.46% |
| Return on assets | 1.14% | 1.31% (stronger) |
| Loans ÷ deposits | 93.9% | 72.6% (stronger) |
| Uninsured deposits | 3.7% (stronger) | 4.7% |
| Offices | 2 | 0 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Shuford Federal Credit Union has the higher TellerScore (75 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Shuford Federal Credit Union leads on 4 and McDowell Cornerstone Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.