State credit union · MARION, North Carolina · NCUA charter #60149
Mcdowell Cornerstone
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $37.5M
- Total assets
- 2,670
- Members
- 17.9%
- Net-worth ratio
Mcdowell Cornerstone scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $37.5M; members 2,670; net-worth ratio 17.91%; health rank #1,758 of 4,374; healthier than 57th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,758 of 4,374 health · 2025Q4Mcdowell Cornerstone · health 86/100 · $37.5M · 2025Q4
Call Report peers
Mcdowell Cornerstone in the assets neighbourhood
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Mcdowell Cornerstone vs every NCUA-scored credit union
Mcdowell Cornerstone sits in the busiest band, 85-89, alongside 857 other credit unions.
86 Top 43% higher than 57% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Mcdowell Cornerstone: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 74.26% here, 59.80% peer average (+14.46 pp).
Mcdowell Cornerstone: in-state Call Report ranks
- Health composite ranks #20 of 57 among scored North Carolina credit unions.
- By total assets, Mcdowell Cornerstone is #39 of 57 in North Carolina.
- Member book place in North Carolina: #44 of 57.
- One place up in North Carolina, SKYLA (#19) scores 87/100, 1 point higher; one place down, SHUFORD (#21) ties at 86/100.
Quarter path for Mcdowell Cornerstone
Mcdowell Cornerstone: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.9% from $37.5M (2025Q4) to $37.2M (2026Q1).
- Net-worth ratio shifted +0.49 pp (17.42% → 17.91%).
17.91% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 86/100 score is built
Mcdowell Cornerstone gives up 14 points in total. Member Growth costs the most, 10.4 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.6 pts
- Return on Assets 15.0 pts
- Member Growth 4.6 pts
- Loan-to-Share Ratio 14.8 pts
Mcdowell Cornerstone vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.91% | +3.05 pp |
| Delinquency Rate | 0.84% | -0.31 pp |
| Return on Assets | 1.14% | +0.43 pp |
| Member Growth | -2.45% | - |
| Loan-to-Share Ratio | 74.26% | +14.46 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - Mcdowell Cornerstone
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $37.2M | - |
| 2025Q4 | $37.5M | 2,670 |
| 2024Q4 | $36.2M | 2,737 |
| 2023Q4 | $34.4M | 2,659 |
Credit Union Details
- Charter Number
- 60149
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- North Carolina
- City
- MARION
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Mcdowell Cornerstone.
| Office | City |
|---|---|
| MAIN (Main Office) | MARION, NC |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in North Carolina
More federally-insured credit unions based in North Carolina, ordered by peer group match and asset size.
Cross-state Call Report peers for Mcdowell Cornerstone
Similar total assets
Using this data
- Mcdowell Cornerstone ranks #1,758 of 4,374 nationally on financial health and #20 of 57 in NC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- SHUFORD is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with SHUFORD
Frequently Asked Questions
Is Mcdowell Cornerstone financially healthy?
Mcdowell Cornerstone has a financial health score of 86/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,758 of 4,374 nationally on health and #20 of 57 in North Carolina. Its net worth ratio is 17.91% and its delinquency rate 0.84%.
How does Mcdowell Cornerstone compare to other credit unions?
Mcdowell Cornerstone scores 86/100, higher than 57% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (74.26% vs 59.80%).
How can I join Mcdowell Cornerstone?
Membership eligibility for Mcdowell Cornerstone depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Mcdowell Cornerstone directly for current membership requirements and application steps.
Is my money safe at Mcdowell Cornerstone?
Mcdowell Cornerstone 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. Mcdowell Cornerstone's net worth ratio of 17.91% 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.