State credit union · Auburn Hills, Michigan · NCUA charter #68641
Cornerstone Community Financial
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $467.2M
- Total assets
- 25,607
- Members
- 11.7%
- Net-worth ratio
Cornerstone Community Financial scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $467.2M; members 25,607; net-worth ratio 11.66%; health rank #1,662 of 4,374; healthier than 60th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,662 of 4,374 health · 2025Q4Cornerstone Community Finan… · health 87/100 · $467.2M · 2025Q4
Call Report peers
Cornerstone Community Financial in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Cornerstone Community Financial vs every NCUA-scored credit union
Cornerstone Community Financial 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
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Cornerstone Community Financial
- Loan-to-Share Ratio leads the peer set - 104.07% here, 72.20% peer average (+31.87 pp).
- Net Worth Ratio trails the peer set - 11.66% here, 12.11% peer average (-0.45 pp).
Cornerstone Community Financial in Michigan
- Michigan health ordinal: #78 of 171.
- Assets rank #47 of 171 inside Michigan ($467.2M reported).
- Membership ranks #51 of 171 among Michigan CUs with a reported count (25,607 members).
- One place up in Michigan, FINANCIALEDGE (#77) ties at 87/100; one place down, LAKESHORE (#79) ties at 87/100.
How Cornerstone Community Financial's 5300 filing moved
Cornerstone Community Financial: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.6% from $467.2M (2025Q4) to $479.6M (2026Q1).
- Net-worth ratio shifted -1.29 pp (12.95% → 11.66%).
At 11.66%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 87/100 score is built
Cornerstone Community Financial gives up 13 points in total. Loan-to-Share Ratio costs the most, 6 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.7 pts
- Return on Assets 14.9 pts
- Member Growth 13.0 pts
- Loan-to-Share Ratio 9.4 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.66% | -0.45 pp |
| Delinquency Rate | 1.05% | +0.15 pp |
| Return on Assets | 0.49% | -0.13 pp |
| Member Growth | 3.37% | - |
| Loan-to-Share Ratio | 104.07% | +31.87 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Cornerstone Community Finan… filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $479.6M | - |
| 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
Branch Locations (9)
The NCUA branch filing lists 9 physical offices for Cornerstone Community Financial, spread across 9 cities in 2 states.
| Office | City |
|---|---|
| Auburn Hills (Main Office) | Auburn Hills, MI |
| Center Line | Center Line, MI |
| Clinton Twp | Clinton Township, MI |
| Macomb | Macomb, MI |
| Perrysburg | Perrysburg, OH |
| Royal Oak | Royal Oak, MI |
| Sterling Heights | Sterling Heights, MI |
| Toledo | Toledo, OH |
| Troy Branch and Operations Center | Troy, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
Nationwide credit unions with similar profiles
Using this data
- Cornerstone Community Financial ranks #1,662 of 4,374 nationally on financial health and #78 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- LOC is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with LOC
Frequently Asked Questions
Is Cornerstone Community Financial financially healthy?
On its 2025Q4 NCUA 5300 filing, Cornerstone Community Financial scores 87/100 (Excellent), with a 11.66% net worth ratio and 1.05% of loans delinquent. It ranks #1,662 of 4,374 nationally on health and #78 of 171 in Michigan.
How does Cornerstone Community Financial compare to other credit unions?
Cornerstone Community Financial scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (104.07% vs 72.20%). Its widest shortfall is net worth ratio (11.66% vs 12.11%).
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?
Cornerstone Community Financial 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 Community Financial's net worth ratio of 11.66% 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.