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
- RANK 87/100
- PHOTO 11.7%
- BOOK 1.05%
- CHARTER 0.49%
- NCUSIF $467.2M
- CAMELS 25,607
- HEALTH #1,662/4,374
- NW WIDGET
- DELQ 68641
Call Report peers
Cornerstone Community Financial in the assets neighbourhood
Cornerstone Community Financial's $467.2M assets sit next to WIDGET ($467.5M) 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 Financial 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
87 Top 40% higher than 60% 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 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.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for MI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Cornerstone Community Financial's 5300 filing moved
Cornerstone Community Financial: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.6% from $467.2M (2025Q4) to $479.6M (2026Q1).
- Net-worth ratio shifted -1.29 pp (12.95% → 11.66%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Cornerstone Community Financial's nationwide photo peers by assets and by health score, excluding Michigan charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($467.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Michigan credit unions compare overall before assuming this one is typical. Michigan 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 Financial financially healthy?
A 11.66% 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,662 of 4,374; by total assets it ranks #785 of 4,374 nationally (same basis as /rankings/largest); and #47 of 171 within Michigan. 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 11.66% 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.
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.