Federal credit union · LOCKPORT, New York · NCUA charter #11723
Cornerstone Community
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $713.4M
- Total assets
- 44,033
- Members
- 7.6%
- Net-worth ratio
Cornerstone Community scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $713.4M; members 44,033; net-worth ratio 7.61%; health rank #2,800 of 4,374; healthier than 36th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,800 of 4,374 health · 2025Q4Cornerstone Community · health 80/100 · $713.4M · 2025Q4
- DELQ 80/100
- ROA 7.6%
- ASSETS 1.63%
- MEM 0.40%
- RANK $713.4M
- PHOTO 44,033
- BOOK #2,800/4,374
- CHARTER Meridian Trust
- NCUSIF 11723
Call Report peers
Cornerstone Community in the assets neighbourhood
Cornerstone Community's $713.4M assets sit next to Meridian Trust ($712.9M) 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 Community 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
80 36th percentile higher than 36% 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 Community - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #11723: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Where Cornerstone Community diverges from peer averages
- Widest shortfall vs peers is Loan-to-Share Ratio: -10.54 pp (73.36% vs 83.90%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Cornerstone Community: in-state Call Report ranks
- Health composite ranks #157 of 272 among scored New York credit unions.
- New York assets place: #30 of 272.
- Membership ranks #29 of 272 among New York CUs with a reported count (44,033 members).
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Cornerstone Community's 5300 filing moved
Cornerstone Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.8% from $713.4M (2025Q4) to $725.9M (2026Q1).
- Net-worth ratio shifted +0.03 pp (7.58% → 7.61%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 7.61%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 80/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 80.
- Net Worth Ratio 24.0 pts
- Delinquency Rate 15.3 pts
- Return on Assets 13.5 pts
- Member Growth 11.7 pts
- Loan-to-Share Ratio 15.5 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.61% | -3.57 pp |
| Delinquency Rate | 1.63% | +0.76 pp |
| Return on Assets | 0.40% | -0.11 pp |
| Member Growth | 2.27% | - |
| Loan-to-Share Ratio | 73.36% | -10.54 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $725.9M | - |
| 2025Q4 | $713.4M | 44,033 |
| 2024Q4 | $663.2M | 43,055 |
| 2023Q4 | $608.1M | 43,314 |
Credit Union Details
- Charter Number
- 11723
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- New York
- City
- LOCKPORT
- Data Quarter
- 2025Q4
Branch Locations (7)
Per its most recent NCUA branch filing, Cornerstone Community runs 7 offices in 5 different cities.
| Office | City |
|---|---|
| Transit (Main Office) | Lockport, NY |
| Getzville | Getzville, NY |
| Lockport | Lockport, NY |
| Walnut Branch | Lockport, NY |
| Middleport | Middleport, NY |
| Niagara Falls | Niagara Falls, NY |
| NT | North Tonawanda, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
More federally-insured credit unions based in New York, ordered by peer group match and asset size.
Other-state peers near Cornerstone Community
Two NCUA Call Report peer sets for Cornerstone Community, both outside New York 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 ($713.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (80/100 here).
Using this data
- Cornerstone Community ranks #2,800 of 4,374 nationally on financial health and #157 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Reliant Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Reliant Community
- Rates and health both vary by institution, not just by state -- see how New York credit unions compare overall before assuming this one is typical. New York 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 Community financially healthy?
Cornerstone Community has a financial health score of 80/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,800 of 4,374; by total assets it ranks #606 of 4,374 nationally (same basis as /rankings/largest); and #30 of 272 within New York. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 7.61% and delinquency rate of 1.63%.
How does Cornerstone Community compare to other credit unions?
Five weighted metrics from NCUA filings produce Cornerstone Community's 80/100 score on PlainCU's health composite, compared to a peer group average for Over $500M 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 Community?
Cornerstone Community 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 Community directly for the exact boundaries and application steps.
Is my money safe at Cornerstone Community?
Federal credit unions like Cornerstone Community 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 Community's net worth ratio of 7.61% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Cornerstone Community offer compared to banks?
Credit unions like Cornerstone Community 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 Community 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.