Is Cornerstone well capitalized?

Its net worth ratio was 10.38%. NCUA considers a credit union well capitalized at 7% or higher.

Are deposits at Cornerstone insured?

Yes. Member deposits at federally insured credit unions are covered by the National Credit Union Share Insurance Fund (NCUSIF) up to at least $250,000 per member, backed by the full faith and credit of the United States.

Credit Union Safety Analysis

Is Cornerstone Safe?

A health scorecard for Cornerstone against standard NCUA supervisory thresholds for capital, asset quality, earnings, and liquidity. Based on the Q4 2025 NCUA 5300 call report.

Data as of Q4 2025 (2025-12-31) · sourced from NCUA 5300 call reports. How we update

Overall assessment Watch — within supervisory bands but elevated on at least one measure

Scorecard by dimension

Capital adequacyPASS

Net worth ratio: 10.38%

NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher, and adequately capitalized at 6%.

Asset qualityPASS

Delinquency ratio: 0.17%

The share of loans 60+ days delinquent. Lower is better; the industry typically runs under 1%.

EarningsWATCH

Return on assets: 0.09%

Net income as a share of average assets. Sustained positive earnings build net worth over time.

LiquidityPASS

Loan-to-share ratio: 67.87%

Loans as a share of member deposits (shares). Very high ratios can signal tighter on-hand liquidity.

This scorecard is an automated comparison of public NCUA 5300 figures against standard supervisory thresholds — it is not a credit rating, an NCUA examination result, or financial advice. Member deposits at federally insured credit unions are protected by the NCUSIF up to at least $250,000 per member. See the full Cornerstone profile or how this data updates.