Credit union · NCUA insured
Cobblestone Country FCU
A $23.9M credit union headquartered in Albion, NY, with 2,731 members and 1 branch in New York. Best rates: CDs 0.09% and savings 0.05% APY.
Cobblestone Country FCU Carrot Score
61
Carrot Score
Higher than 3% of U.S. banks and credit unions
#29 of 32 in Rochester, NY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Cobblestone Country FCU
Founded in 1965 as Liptons Federal Credit Union, Cobblestone Country FCU later merged with two local credit unions and expanded its charter to serve all of Orleans County.
Based in Albion, New York, the credit union is a cooperative association owned and operated by its members.
- Headquarters
- 299 West Ave, Albion, NY 14411
- NCUA charter
- 16672
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Any person living or working in Orleans County is eligible to join.
Family and household
- Family members, by blood or marriage, who are living in the same household as an eligible person/member are eligible to join regardless of age.
Cost to join
- Members are asked to maintain a minimum balance of $5.00 in their savings account.
- There is a $15.00 membership fee to join.
Branches
1 branch in New York
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New York
1 branch
- Cobblestone Country FCUMain office299 West Ave, Albion, NY 14411Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 14.85% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.40% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 2.87% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $78 | $59 | — |
- CapitalNet worth ratio14.85%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.40%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets2.87%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$78Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Cobblestone Country FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.