State credit union · Auburn Hills, Michigan · NCUA charter #68641
Cornerstone Community Financial
Health score 87/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $467.2M
- Total assets
- 25,607
- Members
- 10.5%
- Net-worth ratio
Cornerstone Community Financial - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #68641. See our deposit-insurance coverage note.
Cornerstone Community Financial - 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)100
- Asset quality (delinquency)79
- Earnings (ROA)99
- Member growth87
- Liquidity (loan-to-share)60
Weighted composite: 87/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 10.50%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.50% | 30% |
| Delinquency Rate | 1.05% | 25% |
| Return on Assets | 0.49% | 15% |
| Member Growth | 3.37% | 15% |
| Loan-to-Share Ratio | 104.07% | 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 | $467.2M | 25,607 |
| 2024Q4 | $425.0M | 24,772 |
| 2023Q4 | $407.1M | 24,038 |
Credit Union Details
- Charter Number
- 68641
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Michigan
- City
- Auburn Hills
- Data Quarter
- 2025Q4
What This Data Says About Cornerstone Community Financial
Cornerstone Community Financial is a state credit union headquartered in Auburn Hills, Michigan, serving 25,607 members with $467.2M in total assets and $376.4M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 87/100 (Excellent), anchored by a net worth ratio of 10.50% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #68641 operates under peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
1.05% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running looser than peers. Deposit deployment is captured by the 104.07% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.49% on net income of $2.3M 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 3.37%. 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 Michigan
A look at other Michigan 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 Community Financial financially healthy?
A 10.50% net worth ratio and a 1.05% delinquency rate feed into Cornerstone Community Financial's financial health score of 87/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Cornerstone Community Financial compare to other credit unions?
On PlainCU's health composite, Cornerstone Community Financial 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 Community Financial?
Membership eligibility for Cornerstone Community Financial depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Cornerstone Community Financial directly for current membership requirements and application steps.
Is my money safe at Cornerstone Community Financial?
Federal credit unions like Cornerstone Community Financial 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 Financial's net worth ratio of 10.50% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Cornerstone Community Financial offer compared to banks?
Credit unions like Cornerstone Community Financial 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 Financial 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.