Side-by-side · Q2 2026 data
Waterbury Connecticut Teachers Federal Credit Union vs Cornerstone Federal Credit Union
Credit union
Waterbury Connecticut Teachers Federal Credit Union
Waterbury, Connecticut · $100 million – $1 billion
Credit union
Cornerstone Federal Credit Union
Fairfield, Connecticut · Under $100 million in assets
Metric by metric
| Measure | Waterbury Connecticut Teachers Federal Credit Union | Cornerstone Federal Credit Union |
|---|---|---|
| TellerScore | 91 (stronger) | 77 |
| Capital cushion | 100 (stronger) | 56 |
| Loan quality | 91 | 93 (stronger) |
| Earnings | 85 (stronger) | 66 |
| Funding & liquidity | 79 | 96 (stronger) |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 96th | 57th |
| Total assets | $365.2M | $68.3M |
| Deposits / shares | $300.7M | $60.1M |
| Capital ratio | 17.05% (stronger) | 10.58% |
| Problem loans | 0.26% | 0.22% (stronger) |
| Net charge-offs | 0.11% | 0.10% (stronger) |
| Return on assets | 1.62% (stronger) | 1.15% |
| Loans ÷ deposits | 81.3% | 64.6% (stronger) |
| Uninsured deposits | 8.3% | 4.7% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Waterbury Connecticut Teachers Federal Credit Union has the higher TellerScore (91 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Waterbury Connecticut Teachers Federal Credit Union leads on 3 and Cornerstone Federal Credit Union on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.