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
Call Report peers
Cornerstone 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 Financial vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Cornerstone Financial sits in 90-94 with 747 others.
91 Top 23% higher than 77% 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 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).
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.
- One place up in Tennessee, Appalachian Community (#32) ties at 91/100; one place down, FOOTHILLS (#34) ties at 91/100.
Cornerstone Financial: 2025Q4 → 2026Q1
Cornerstone Financial: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.3% from $677.7M (2025Q4) to $700.1M (2026Q1).
- Net-worth ratio shifted -0.05 pp (10.47% → 10.42%).
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
Cornerstone Financial gives up 9 points in total. Member Growth costs the most, 3.3 of its 15; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Cornerstone Financial financially healthy?
Cornerstone Financial has a financial health score of 91/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #979 of 4,374 nationally on health and #33 of 127 in Tennessee. Its net worth ratio is 10.42% and its delinquency rate 0.79%.
How does Cornerstone Financial compare to other credit unions?
Cornerstone Financial scores 91/100, higher than 77% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (95.48% vs 83.90%). Its widest shortfall is net worth ratio (10.42% vs 11.18%).
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?
Cornerstone 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 Financial's net worth ratio of 10.42% 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.