State credit union · Freeport, Illinois · NCUA charter #60189
Cornerstone
Health score 87/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $168.8M
- Total assets
- 12,235
- Members
- 9.7%
- Net-worth ratio
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 - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)98
- Asset quality (delinquency)57
- Earnings (ROA)96
- Member growth100
- Liquidity (loan-to-share)95
Weighted composite: 87/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
9.71% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.71% | 30% |
| Delinquency Rate | 1.76% | 25% |
| Return on Assets | 0.46% | 15% |
| Member Growth | 18.71% | 15% |
| Loan-to-Share Ratio | 66.93% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Cornerstone
Charter #60189, peer group $100M–$500M, a cohort of 1069 similarly-sized institutions: that's Cornerstone, a state credit union in Freeport, Illinois with 12,235 members, $168.8M in total assets, and $100.8M in outstanding loans as of Q4 2025. The five-factor composite scores it 87/100 (Excellent), helped by a net worth ratio of 9.71% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Loan book quality rounds out the picture. The delinquency rate of 1.76% measures loans 60+ days past due against total loans outstanding - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running looser than peers. The loan-to-share ratio of 66.93% indicates how aggressively member deposits are being deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.46% on net income of $774K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 18.71%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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 this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.71% 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 9.71% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.