State credit union · lancaster, Texas · NCUA charter #68011
Corner Stone
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $20.1M
- Total assets
- 3,341
- Members
- 9.0%
- Net-worth ratio
Corner Stone scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $20.1M; members 3,341; net-worth ratio 9.03%; health rank #3,019 of 4,374; healthier than 31st of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,019 of 4,374 health · 2025Q4Corner Stone · health 78/100 · $20.1M · 2025Q4
Call Report peers
Corner Stone in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Corner Stone vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Corner Stone sits in 75-79 with 502 others.
78 31st percentile higher than 31% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where Corner Stone diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 72.04% here, 59.80% peer average (+12.24 pp).
- Widest shortfall vs peers is Net Worth Ratio: -5.83 pp (9.03% vs 14.86%).
Where Corner Stone sits in Texas
- In Texas, health place is #265 of 386 on the same NCUA-ratio sort used nationally.
- Assets rank #258 of 386 inside Texas ($20.1M reported).
- Member book place in Texas: #207 of 386.
- One place up in Texas, A+ (#264) ties at 78/100; one place down, Telco Plus (#266) ties at 78/100.
Corner Stone Call Report trajectory
Corner Stone: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.6% from $20.1M (2025Q4) to $20.6M (2026Q1).
- Net-worth ratio shifted -0.77 pp (9.80% → 9.03%).
This credit union's 9.03% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 78/100 score is built
Corner Stone gives up 22 points in total. Member Growth costs the most, 15 of its 15; Delinquency Rate and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 27.6 pts
- Delinquency Rate 25.0 pts
- Return on Assets 10.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.4 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.03% | -5.83 pp |
| Delinquency Rate | 0.43% | -0.72 pp |
| Return on Assets | 0.16% | -0.54 pp |
| Member Growth | -6.26% | - |
| Loan-to-Share Ratio | 72.04% | +12.24 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Corner Stone filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $20.6M | - |
| 2025Q4 | $20.1M | 3,341 |
| 2024Q4 | $20.5M | 3,564 |
| 2023Q4 | $21.4M | 3,600 |
Credit Union Details
- Charter Number
- 68011
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Texas
- City
- lancaster
- Data Quarter
- 2025Q4
Branch Locations (2)
Corner Stone operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| main office (Main Office) | lancaster, TX |
| Mesquite | Mesquite, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
A look at other Texas credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for Corner Stone
Similar total assets
Using this data
- Corner Stone ranks #3,019 of 4,374 nationally on financial health and #265 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Port Arthur Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Port Arthur Community
Frequently Asked Questions
Is Corner Stone financially healthy?
On its 2025Q4 NCUA 5300 filing, Corner Stone scores 78/100 (Very Good), with a 9.03% net worth ratio and 0.43% of loans delinquent. It ranks #3,019 of 4,374 nationally on health and #265 of 386 in Texas.
How does Corner Stone compare to other credit unions?
Corner Stone scores 78/100, higher than 31% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (72.04% vs 59.80%). Its widest shortfall is net worth ratio (9.03% vs 14.86%).
How can I join Corner Stone?
Membership eligibility for Corner Stone depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Corner Stone directly for current membership requirements and application steps.
Is my money safe at Corner Stone?
Corner Stone is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Corner Stone's net worth ratio of 9.03% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.