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.
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NCUA 5300 Call Report Masthead
#1,705 of 4,374 health · 2025Q4CORNERSTONE · health 87/100 · $168.8M · 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
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: Call Report deltas vs peers
- Loan-to-Share Ratio trails the peer set - 66.93% here, 72.20% peer average (-5.27 pp).
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.
- One place up in Illinois, Gas and Electric (#67) ties at 87/100; one place down, Land of Lincoln (#69) ties at 87/100.
How CORNERSTONE's 5300 filing moved
CORNERSTONE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +5.4% from $168.8M (2025Q4) to $178.0M (2026Q1).
- Net-worth ratio shifted -0.15 pp (9.71% → 9.56%).
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
CORNERSTONE gives up 13 points in total. Delinquency Rate costs the most, 10.7 of its 25; Member Growth scores full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is CORNERSTONE financially healthy?
On its 2025Q4 NCUA 5300 filing, CORNERSTONE scores 87/100 (Excellent), with a 9.56% net worth ratio and 1.76% of loans delinquent. It ranks #1,705 of 4,374 nationally on health and #68 of 192 in Illinois.
How does CORNERSTONE compare to other credit unions?
CORNERSTONE scores 87/100, higher than 60% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (66.93% vs 72.20%).
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?
CORNERSTONE 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. CORNERSTONE's net worth ratio of 9.56% 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.