TellerScore

Cornerstone Community Federal Credit Union (NCUA charter #11723) is based in Lockport, New York. Its Q2 2026 call report shows $730.2M in total assets and $671.9M in member shares and deposits and 6 offices.

Based on its Q2 2026 filing, Cornerstone Community Federal Credit Union scores 44/100, which we describe as below average. That is higher than only 2% of 1,341 credit unions with $100 million – $1 billion. Among 268 credit unions headquartered in New York, it ranks 256th. Its strongest component is funding & liquidity (85/100; 76% loans-to-deposits, 5% uninsured), and its lowest is capital cushion (27/100; 7.73%).

TellerScore · Q2 2026

Scorecard

Capital cushion27/100
Net worth ratio: 7.73%
Loan quality32/100
Loans 60+ days delinquent ÷ total loans: 2.04%
Earnings43/100
Return on assets (annualized): 0.59%
Funding & liquidity85/100
Loans ÷ shares: 75.6% · 4.9% uninsured
Problem-loan coverage62/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 18.87%

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 fell 14 points (58 → 44), mostly because the loan quality component weakened by 59 points.

TellerScore
445464Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202463
Q4 202447
Q1 202557
Q2 202558
Q3 202557
Q4 202545
Q1 202649
Q2 202644
Net worth ratio
7.00%7.64%8.28%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.28%
Q3 20248.22%
Q4 20248.09%
Q1 20257.51%
Q2 20257.72%
Q3 20257.64%
Q4 20257.58%
Q1 20267.61%
Q2 20267.73%
Delinquent loans (60+ days)
0.26%1.15%2.04%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.26%
Q3 20240.26%
Q4 20241.75%
Q1 20250.26%
Q2 20250.27%
Q3 20250.40%
Q4 20251.63%
Q1 20261.42%
Q2 20262.04%
Return on assets
-0.03%0.28%0.59%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.50%
Q3 20240.53%
Q4 20240.43%
Q1 2025-0.03%
Q2 20250.09%
Q3 20250.17%
Q4 20250.20%
Q1 20260.48%
Q2 20260.59%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202644$730.2M7.73%2.04%0.59%75.6%
Q1 202649$725.9M7.61%1.42%0.48%73.2%
Q4 202545$713.4M7.58%1.63%0.20%73.4%
Q3 202557$709.6M7.64%0.40%0.17%72.1%
Q2 202558$706.8M7.72%0.27%0.09%72.4%
Q1 202557$692.5M7.51%0.26%-0.03%70.3%
Q4 202447$663.2M8.09%1.75%0.43%72.6%
Q3 202463$652.1M8.22%0.26%0.53%71.7%
Q2 202464$632.6M8.28%0.26%0.50%69.7%

1,341 peers · $100 million – $1 billion

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 ratio7.73%
2nd
Problem loans2.04%
6th
Net charge-offs0.12%
83rd
Return on assets0.59%
37th
Loans to deposits75.6%
50th
Uninsured deposits4.9%
61st
Loan-loss reserves0.00%
50th
Texas ratio18.9%
3rd

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Deposit insurance

Is my money safe at Cornerstone Community Federal Credit Union?

Yes. Cornerstone Community Federal Credit Union is a federally insured credit union (NCUA charter #11723). 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 4.9% of shares and deposits ($33.2M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 7.73%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

6 locations

Branches

Cornerstone Community Federal Credit Union lists 6 offices in 5 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Cornerstone Community Federal Credit Union reported 971 home-loan applications under HMDA (LEI 254900LTYFDA8IOP9O78): 756 originated ($102,130,000 total), 122 denied, and 93 withdrawn or closed by the applicant. Its denial rate on decided applications was 13.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Cornerstone Community Federal Credit Union
Type
Federal credit union
NCUA charter #
11723
RSSD ID
1004180
Primary regulator
NCUA
Established
1957
Headquarters
Po Box 830, Lockport, NY 14095
Employees
170

Quick answers

Cornerstone Community Federal Credit Union: common questions

Is Cornerstone Community Federal Credit Union NCUA insured?

Yes. Cornerstone Community Federal Credit Union is a federally insured credit union (NCUA charter #11723). 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 Cornerstone Community Federal Credit Union's TellerScore?

44 out of 100 (Below average), 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 Cornerstone Community Federal Credit Union have?

6 offices as of the latest NCUA data.

Nearby

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InstitutionScoreAssetsCapitalProblem loansCompare
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