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
- CHARTER 78/100
- NCUSIF 9.0%
- CAMELS 0.43%
- HEALTH 0.16%
- NW $20.1M
- DELQ 3,341
- ROA #3,019/4,374
- ASSETS Kaleida Health
- MEM 68011
Call Report peers
Corner Stone in the assets neighbourhood
Corner Stone's $20.1M assets sit next to Kaleida Health ($20.1M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
78 31st percentile higher than 31% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Corner Stone - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #68011: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Corner Stone Call Report trajectory
Corner Stone: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.6% from $20.1M (2025Q4) to $20.6M (2026Q1).
- Net-worth ratio shifted -0.77 pp (9.80% → 9.03%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 78.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Cross-state asset and health neighbours for Corner Stone - kept outside Texas; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($20.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (78/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Texas credit unions compare overall before assuming this one is typical. Texas state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Corner Stone financially healthy?
Yes/no aside, the number is 78/100 (Very Good) - Corner Stone's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,019 of 4,374; by total assets it ranks #3,154 of 4,374 nationally (same basis as /rankings/largest); and #258 of 386 within Texas. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.03% net worth ratio and 0.43% delinquency rate are the key drivers.
How does Corner Stone compare to other credit unions?
78/100 is Corner Stone's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Corner Stone are 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."
What rates does Corner Stone offer compared to banks?
Credit unions like Corner Stone are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Corner Stone directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.