Federal credit union · LOCKPORT, New York · NCUA charter #11723
Cornerstone Community
Health score 74/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 74
- Health / 100
- $713.4M
- Total assets
- 44,033
- Members
- 6.5%
- Net-worth ratio
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.
Cornerstone Community - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)62
- Asset quality (delinquency)61
- Earnings (ROA)90
- Member growth78
- Liquidity (loan-to-share)100
Weighted composite: 74/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 6.48%, this institution is below the 7.0% NCUA well-capitalized threshold.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 6.48% | 30% |
| Delinquency Rate | 1.63% | 25% |
| Return on Assets | 0.40% | 15% |
| Member Growth | 2.27% | 15% |
| Loan-to-Share Ratio | 73.36% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Cornerstone Community
Charter #11723, peer group Over $500M, a cohort of 749 similarly-sized institutions: that's Cornerstone Community, a federal credit union in LOCKPORT, New York with 44,033 members, $713.4M in total assets, and $482.2M in outstanding loans as of Q4 2025. The five-factor composite scores it 74/100 (Very Good), helped by a net worth ratio of 6.48% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
1.63% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers. Deposit deployment is captured by the 73.36% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.40% on net income of $2.9M 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 2.27%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Community) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in New York
More federally-insured credit unions based in New York, ordered by peer group match and asset size.
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 Community financially healthy?
Cornerstone Community has a financial health score of 74/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 6.48% 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 74/100 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 6.48% is relative to 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.
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.