State credit union · Nashville, Tennessee · NCUA charter #67972
Cornerstone Financial
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $677.7M
- Total assets
- 49,493
- Members
- 10.4%
- Net-worth ratio
Cornerstone Financial scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $677.7M; members 49,493; net-worth ratio 10.42%; health rank #979 of 4,374; healthier than 77th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#979 of 4,374 health · 2025Q4Cornerstone Financial · health 91/100 · $677.7M · 2025Q4
- CAMELS 91/100
- HEALTH 10.4%
- NW 0.79%
- DELQ 0.66%
- ROA $677.7M
- ASSETS 49,493
- MEM #979/4,374
- RANK SUN
- PHOTO 67972
Call Report peers
Cornerstone Financial in the assets neighbourhood
Cornerstone Financial's $677.7M assets sit next to SUN ($677.9M) 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 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
91 Top 23% higher than 77% 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 Financial - Share Insurance Coverage
Charter #67972's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Peer-gap read for Cornerstone Financial
- Largest favorable gap: Loan-to-Share Ratio at 95.48% vs peer 83.90% (+11.58 pp).
- Largest lag: Net Worth Ratio at 10.42% vs peer 11.18% (-0.76 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Cornerstone Financial in Tennessee
- In Tennessee, health place is #33 of 127 on the same NCUA-ratio sort used nationally.
- Assets rank #12 of 127 inside Tennessee ($677.7M reported).
- Tennessee membership ordinal: #12 of 127.
In-state ordinals use the live credit_unions table for TN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Cornerstone Financial: 2025Q4 → 2026Q1
Cornerstone Financial: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.3% from $677.7M (2025Q4) to $700.1M (2026Q1).
- Net-worth ratio shifted -0.05 pp (10.47% → 10.42%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 10.42% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 91/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.1 pts
- Return on Assets 15.0 pts
- Member Growth 11.7 pts
- Loan-to-Share Ratio 12.2 pts
Call Report ratios for Cornerstone Financial
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.42% | -0.76 pp |
| Delinquency Rate | 0.79% | -0.09 pp |
| Return on Assets | 0.66% | +0.15 pp |
| Member Growth | 2.27% | - |
| Loan-to-Share Ratio | 95.48% | +11.58 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).
Call Report history - Cornerstone Financial
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $700.1M | - |
| 2025Q4 | $677.7M | 49,493 |
| 2024Q4 | $623.9M | 48,394 |
| 2023Q4 | $598.0M | 47,888 |
Credit Union Details
- Charter Number
- 67972
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Tennessee
- City
- Nashville
- Data Quarter
- 2025Q4
Branch Locations (7)
Cornerstone Financial operates 7 offices across 7 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Nashville, TN |
| Clarksville | Clarksville, TN |
| Dickson | Dickson, TN |
| Fairview | Fairview, TN |
| Franklin | Franklin, TN |
| Hendersonville | Hendersonville, TN |
| Murfreesboro | Murfreesboro, TN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Tennessee
A look at other Tennessee credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Cornerstone Financial's nationwide photo peers by assets and by health score, excluding Tennessee charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($677.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
Using this data
- Cornerstone Financial ranks #979 of 4,374 nationally on financial health and #33 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CONSUMER is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CONSUMER
- Rates and health both vary by institution, not just by state -- see how Tennessee credit unions compare overall before assuming this one is typical. Tennessee 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 Financial financially healthy?
Cornerstone Financial has a financial health score of 91/100 (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 #979 of 4,374; by total assets it ranks #631 of 4,374 nationally (same basis as /rankings/largest); and #12 of 127 within Tennessee. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 10.42% and delinquency rate of 0.79%.
How does Cornerstone Financial compare to other credit unions?
91/100 is Cornerstone Financial's score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Financial?
Membership eligibility for Cornerstone 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 Financial directly for current membership requirements and application steps.
Is my money safe at Cornerstone Financial?
Federal credit unions like Cornerstone 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 Financial's net worth ratio of 10.42% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Cornerstone Financial offer compared to banks?
Credit unions like Cornerstone 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 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.