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
- DELQ 86/100
- ROA 17.9%
- ASSETS 0.84%
- MEM 1.14%
- RANK $37.5M
- PHOTO 2,670
- BOOK #1,758/4,374
- CHARTER Health Care Professionals
- NCUSIF 60149
Call Report peers
Mcdowell Cornerstone in the assets neighbourhood
Mcdowell Cornerstone's $37.5M assets sit next to Health Care Professionals ($37.5M) 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.
Mcdowell Cornerstone 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
86 Top 43% higher than 57% 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
Mcdowell Cornerstone - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #60149 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for NC only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Mcdowell Cornerstone
Mcdowell Cornerstone: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.9% from $37.5M (2025Q4) to $37.2M (2026Q1).
- Net-worth ratio shifted +0.49 pp (17.42% → 17.91%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 86.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Cross-state asset and health neighbours for Mcdowell Cornerstone - kept outside North Carolina; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($37.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (86/100 here).
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
- Rates and health both vary by institution, not just by state -- see how North Carolina credit unions compare overall before assuming this one is typical. North Carolina 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 Mcdowell Cornerstone financially healthy?
Yes/no aside, the number is 86/100 (Excellent) - Mcdowell Cornerstone's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,758 of 4,374; by total assets it ranks #2,663 of 4,374 nationally (same basis as /rankings/largest); and #39 of 57 within North Carolina. Above 80 reads excellent, below 50 warrants closer monitoring; a 17.91% net worth ratio and 0.84% delinquency rate are the key drivers.
How does Mcdowell Cornerstone compare to other credit unions?
On PlainCU's health composite, Mcdowell Cornerstone lands at 86/100, compared to a peer group average for $10M–$50M 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 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?
Federal credit unions like Mcdowell Cornerstone 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. Mcdowell Cornerstone's net worth ratio of 17.91% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Mcdowell Cornerstone offer compared to banks?
Credit unions like Mcdowell Cornerstone 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 Mcdowell Cornerstone 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.