Federal credit union · FAIRFIELD, Connecticut · NCUA charter #24977
CORNERSTONE
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $65.7M
- Total assets
- 4,467
- Members
- 10.5%
- Net-worth ratio
CORNERSTONE scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $65.7M; members 4,467; net-worth ratio 10.50%; health rank #1,687 of 4,374; healthier than 60th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,687 of 4,374 health · 2025Q4CORNERSTONE · health 87/100 · $65.7M · 2025Q4
- ASSETS 87/100
- MEM 10.5%
- RANK 0.17%
- PHOTO 0.00%
- BOOK $65.7M
- CHARTER 4,467
- NCUSIF #1,687/4,374
- CAMELS Kings Peak
- HEALTH 24977
Call Report peers
CORNERSTONE in the assets neighbourhood
CORNERSTONE's $65.7M assets sit next to Kings Peak ($65.7M) 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.
CORNERSTONE 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
87 Top 40% higher than 60% 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
CORNERSTONE - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #24977. See our deposit-insurance coverage note.
Where CORNERSTONE diverges from peer averages
- Strongest edge vs 584 $50M–$100M peers is Loan-to-Share Ratio: +5.27 pp (67.87% vs 62.60%).
- Net Worth Ratio trails the peer set - 10.50% here, 13.62% peer average (-3.12 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where CORNERSTONE sits in Connecticut
- Health composite ranks #20 of 64 among scored Connecticut credit unions.
- By total assets, CORNERSTONE is #28 of 64 in Connecticut.
- Connecticut membership ordinal: #26 of 64.
In-state ordinals use the live credit_unions table for CT only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How CORNERSTONE's 5300 filing moved
- Assets moved +1.5% from $65.7M (2025Q4) to $66.7M (2026Q1).
- Net-worth ratio shifted +0.12 pp (10.38% → 10.50%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
10.50% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 87/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- Net Worth Ratio 35.3 pts
- Delinquency Rate 29.4 pts
- Return on Assets 5.3 pts
- Loan-to-Share Ratio 17.0 pts
Call Report ratios for CORNERSTONE
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.50% | -3.12 pp |
| Delinquency Rate | 0.17% | -0.79 pp |
| Return on Assets | 0.00% | -0.66 pp |
| Member Growth | N/A | - |
| Loan-to-Share Ratio | 67.87% | +5.27 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Call Report history - CORNERSTONE
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $66.7M | - |
| 2025Q4 | $65.7M | 4,467 |
Credit Union Details
- Charter Number
- 24977
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Connecticut
- City
- FAIRFIELD
- Data Quarter
- 2025Q4
Branch Locations (4)
CORNERSTONE operates 4 offices across 4 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Fairfield (Main Office) | Fairfield, CT |
| BETHEL | Bethel, CT |
| Stamford | Stamford, CT |
| Wallingford | Wallingford, CT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Connecticut
Other federally-insured credit unions in Connecticut, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
CORNERSTONE's nationwide photo peers by assets and by health score, excluding Connecticut charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($65.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
Using this data
- CORNERSTONE ranks #1,687 of 4,374 nationally on financial health and #20 of 64 in CT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Healthcare Financial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Healthcare Financial
- Rates and health both vary by institution, not just by state -- see how Connecticut credit unions compare overall before assuming this one is typical. Connecticut 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 CORNERSTONE financially healthy?
A 10.50% net worth ratio and a 0.17% delinquency rate feed into CORNERSTONE's financial health score of 87/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,687 of 4,374; by total assets it ranks #2,183 of 4,374 nationally (same basis as /rankings/largest); and #28 of 64 within Connecticut. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does CORNERSTONE compare to other credit unions?
Five weighted metrics from NCUA filings produce CORNERSTONE's 87/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (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 CORNERSTONE?
CORNERSTONE operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact CORNERSTONE directly for the exact boundaries and application steps.
Is my money safe at CORNERSTONE?
Federal credit unions like CORNERSTONE 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. CORNERSTONE's net worth ratio of 10.50% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does CORNERSTONE offer compared to banks?
Credit unions like CORNERSTONE 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 CORNERSTONE 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.