TellerScore

Cobblestone Country Federal Credit Union (NCUA charter #16672) is based in Albion, New York. Its Q2 2026 call report shows $24.7M in total assets and $21.0M in member shares and deposits and 1 office.

Based on its Q2 2026 filing, Cobblestone Country Federal Credit Union scores 94/100, which we describe as very strong. That is higher than 95% of 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 13th. Its strongest component is earnings (100/100; 2.83%), and its lowest is funding & liquidity (83/100; 78% loans-to-deposits, 0% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion99/100
Net worth ratio: 14.85%
Loan quality87/100
Loans 60+ days delinquent ÷ total loans: 0.40%
Earnings100/100
Return on assets (annualized): 2.83%
Funding & liquidity83/100
Loans ÷ shares: 77.6% · 0.0% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.77%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 10 points (84 → 94), mostly because the loan quality component improved by 17 points.

TellerScore
828894Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202483
Q3 202482
Q4 202483
Q1 202582
Q2 202584
Q3 202588
Q4 202587
Q1 202693
Q2 202694
Net worth ratio
7.00%10.93%14.85%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.98%
Q3 202411.79%
Q4 202412.44%
Q1 202512.73%
Q2 202513.35%
Q3 202513.81%
Q4 202513.86%
Q1 202614.48%
Q2 202614.85%
Delinquent loans (60+ days)
0.12%0.51%0.90%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.12%
Q3 20240.46%
Q4 20240.66%
Q1 20250.84%
Q2 20250.90%
Q3 20250.64%
Q4 20250.79%
Q1 20260.35%
Q2 20260.40%
Return on assets
2.08%2.65%3.21%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.45%
Q3 20242.48%
Q4 20242.08%
Q1 20252.92%
Q2 20253.21%
Q3 20253.15%
Q4 20252.68%
Q1 20262.35%
Q2 20262.83%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202694$24.7M14.85%0.40%2.83%77.6%
Q1 202693$23.9M14.48%0.35%2.35%78.4%
Q4 202587$24.0M13.86%0.79%2.68%77.9%
Q3 202588$23.7M13.81%0.64%3.15%79.6%
Q2 202584$22.9M13.35%0.90%3.21%81.7%
Q1 202582$22.5M12.73%0.84%2.92%79.4%
Q4 202483$21.7M12.44%0.66%2.08%82.7%
Q3 202482$19.3M11.79%0.46%2.48%87.3%
Q2 202483$19.6M10.98%0.12%2.45%84.0%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio14.85%
53rd
Problem loans0.40%
64th
Net charge-offs0.41%
32nd
Return on assets2.83%
98th
Loans to deposits77.6%
22nd
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio1.8%
55th

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Deposit insurance

Is my money safe at Cobblestone Country Federal Credit Union?

Yes. Cobblestone Country Federal Credit Union is a federally insured credit union (NCUA charter #16672). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 14.85%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Cobblestone Country Federal Credit Union lists 1 office in 1 city. Most locations:

  • Albion, NY (1)

All branch addresses and map

Identity & history

Profile

Legal name
Cobblestone Country Federal Credit Union
Type
Federal credit union
NCUA charter #
16672
RSSD ID
646387
Primary regulator
NCUA
Established
1965
Headquarters
299 West Ave, Albion, NY 14411
Employees
6

Quick answers

Cobblestone Country Federal Credit Union: common questions

Is Cobblestone Country Federal Credit Union NCUA insured?

Yes. Cobblestone Country Federal Credit Union is a federally insured credit union (NCUA charter #16672). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Cobblestone Country Federal Credit Union's TellerScore?

94 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Cobblestone Country Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Albion

InstitutionScoreAssetsCapitalProblem loansCompare
ESL Federal Credit UnionCredit union Rochester, NY90 out of 100, Very strong$10.8B16.4%0.90%vs
Akron School Employees Federal Credit UnionCredit union Akron, NY87 out of 100, Very strong$1.2M20.9%0.00%vs
Le Roy Federal Credit UnionCredit union Le Roy, NY86 out of 100, Very strong$21.1M11.4%0.37%vs
Westside Community Federal Credit UnionCredit union Churchville, NY84 out of 100, Strong$25.7M11.0%0.00%vs
Greece Community Federal Credit UnionCredit union Rochester, NY83 out of 100, Strong$13.0M12.3%0.05%vs
Tonawanda Valley Federal Credit UnionCredit union Batavia, NY82 out of 100, Strong$170.7M11.1%0.19%vs