Side-by-side · Q2 2026 data
Westside Community Federal Credit Union vs Cobblestone Country Federal Credit Union
Credit union
Westside Community Federal Credit Union
Churchville, New York · Under $100 million in assets
Credit union
Cobblestone Country Federal Credit Union
Albion, New York · Under $100 million in assets
Metric by metric
| Measure | Westside Community Federal Credit Union | Cobblestone Country Federal Credit Union |
|---|---|---|
| TellerScore | 84 | 94 (stronger) |
| Capital cushion | 60 | 99 (stronger) |
| Loan quality | 100 (stronger) | 87 |
| Earnings | 81 | 100 (stronger) |
| Funding & liquidity | 100 (stronger) | 83 |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 75th | 95th |
| Total assets | $25.7M | $24.7M |
| Deposits / shares | $22.8M | $21.0M |
| Capital ratio | 10.97% | 14.85% (stronger) |
| Problem loans | 0.00% (stronger) | 0.40% |
| Net charge-offs | -0.01% (stronger) | 0.41% |
| Return on assets | 1.52% | 2.83% (stronger) |
| Loans ÷ deposits | 57.6% (stronger) | 77.6% |
| Uninsured deposits | 2.4% | 0.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Cobblestone Country Federal Credit Union has the higher TellerScore (94 vs 84). On the 7 directional measures above (where higher or lower is clearly better), Westside Community Federal Credit Union leads on 3 and Cobblestone Country Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.