Side-by-side · Q2 2026 data
The Local 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 | The Local Credit Union | Cornerstone Community Financial Credit Union |
|---|---|---|
| TellerScore | 92 (stronger) | 62 |
| Capital cushion | 100 (stronger) | 71 |
| Loan quality | 91 (stronger) | 61 |
| Earnings | 74 (stronger) | 46 |
| Funding & liquidity | 100 (stronger) | 56 |
| Problem-loan coverage | 99 (stronger) | 82 |
| Peer percentile | 97th | 26th |
| Total assets | $106.6M | $470.1M |
| Deposits / shares | $89.9M | $361.8M |
| Capital ratio | 16.07% (stronger) | 12.05% |
| Problem loans | 0.26% (stronger) | 1.18% |
| Net charge-offs | 0.42% (stronger) | 0.87% |
| Return on assets | 1.35% (stronger) | 0.66% |
| Loans ÷ deposits | 46.7% (stronger) | 104.3% |
| Uninsured deposits | 7.5% | 5.7% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 31.3% |
The Local Credit Union has the higher TellerScore (92 vs 62). On the 7 directional measures above (where higher or lower is clearly better), The Local 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.