State credit union · Freeport, Illinois · NCUA charter #60189
CORNERSTONE
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $168.8M
- Total assets
- 12,235
- Members
- 9.6%
- Net-worth ratio
CORNERSTONE scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $168.8M; members 12,235; net-worth ratio 9.56%; health rank #1,705 of 4,374; healthier than 60th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,705 of 4,374 health · 2025Q4CORNERSTONE · health 87/100 · $168.8M · 2025Q4
- HEALTH 87/100
- NW 9.6%
- DELQ 1.76%
- ROA 0.46%
- ASSETS $168.8M
- MEM 12,235
- RANK #1,705/4,374
- PHOTO NUVISTA
- BOOK 60189
Call Report peers
CORNERSTONE in the assets neighbourhood
CORNERSTONE's $168.8M assets sit next to NUVISTA ($168.9M) 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
Charter #60189's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
CORNERSTONE: Call Report deltas vs peers
- Loan-to-Share Ratio trails the peer set - 66.93% here, 72.20% peer average (-5.27 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Illinois standing for CORNERSTONE
- In Illinois, health place is #68 of 192 on the same NCUA-ratio sort used nationally.
- Assets rank #44 of 192 inside Illinois ($168.8M reported).
- Illinois membership ordinal: #44 of 192.
In-state ordinals use the live credit_unions table for IL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How CORNERSTONE's 5300 filing moved
CORNERSTONE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +5.4% from $168.8M (2025Q4) to $178.0M (2026Q1).
- Net-worth ratio shifted -0.15 pp (9.71% → 9.56%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
9.56% 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 28.9 pts
- Delinquency Rate 14.3 pts
- Return on Assets 14.4 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.4 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.56% | -2.55 pp |
| Delinquency Rate | 1.76% | +0.86 pp |
| Return on Assets | 0.46% | -0.16 pp |
| Member Growth | 18.71% | - |
| Loan-to-Share Ratio | 66.93% | -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: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $178.0M | - |
| 2025Q4 | $168.8M | 12,235 |
| 2024Q4 | $163.6M | 10,307 |
| 2023Q4 | $142.5M | 9,511 |
Credit Union Details
- Charter Number
- 60189
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Illinois
- City
- Freeport
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, CORNERSTONE runs 3 offices in 3 different cities.
| Office | City |
|---|---|
| Cornerstone Credit Union (Main Office) | Freeport, IL |
| Cornerstone Credit Union | South Beloit, IL |
| Cornerstone Credit Union | Sterling, IL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Illinois
A look at other Illinois credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for CORNERSTONE
Two NCUA Call Report peer sets for CORNERSTONE, both outside Illinois so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($168.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
Using this data
- CORNERSTONE ranks #1,705 of 4,374 nationally on financial health and #68 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Rock Valley is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Rock Valley
- Rates and health both vary by institution, not just by state -- see how Illinois credit unions compare overall before assuming this one is typical. Illinois 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?
Based on NCUA 5300 Call Report data as of Q4 2025, CORNERSTONE carries a financial health score of 87/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,705 of 4,374; by total assets it ranks #1,406 of 4,374 nationally (same basis as /rankings/largest); and #44 of 192 within Illinois. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.56% net worth ratio and a 1.76% delinquency rate.
How does CORNERSTONE compare to other credit unions?
On PlainCU's health composite, CORNERSTONE lands at 87/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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?
Membership eligibility for CORNERSTONE depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact CORNERSTONE directly for current membership requirements 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 9.56% 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.