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.
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NCUA 5300 Call Report Masthead
#1,687 of 4,374 health · 2025Q4CORNERSTONE · health 87/100 · $65.7M · 2025Q4
Call Report peers
CORNERSTONE in the assets neighbourhood
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
CORNERSTONE sits in the busiest band, 85-89, alongside 857 other credit unions.
87 Top 40% higher than 60% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Connecticut, Lawrence Memorial Hospital Employee (#19) ties at 87/100; one place down, 360 (#21) ties at 87/100.
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%).
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
CORNERSTONE gives up 13 points in total. Return on Assets costs the most, 12.4 of its 17.6; Net Worth Ratio and Delinquency Rate score full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is CORNERSTONE financially healthy?
CORNERSTONE has a financial health score of 87/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,687 of 4,374 nationally on health and #20 of 64 in Connecticut. Its net worth ratio is 10.50% and its delinquency rate 0.17%.
How does CORNERSTONE compare to other credit unions?
CORNERSTONE scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (67.87% vs 62.60%). Its widest shortfall is net worth ratio (10.50% vs 13.62%).
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?
CORNERSTONE is a federal 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. CORNERSTONE's net worth ratio of 10.50% 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.