Cornerstone Credit Union Freeport, Illinois
Cornerstone Credit Union is a state-chartered credit union headquartered in Freeport, IL, established in 1939 (NCUA charter 60189), and it is regulated and insured by the NCUA. At Q2 2026 it reported 12,452 members and total assets of $176.6M (up 4.9% from Q2 2025), the 42nd largest of 185 credit unions headquartered in Illinois. Its net worth ratio was 9.97% at Q2 2026, in the well capitalized band.
Also written as Cornerstone CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 60189
- Headquarters
- Freeport, IL
- Established
- 1939
- Total assets, Q2 2026
- $176.6M
- Assets vs Q2 2025
- +4.9%
- Members, Q2 2026
- 12,452
- Net worth ratio, Q2 2026
- 9.97%
- Latest call report
- Q2 2026, NCUA 5300 · Cornerstone Credit Union call report
- Asset rank in state
- 42nd of 185 in Illinois
- Routing number
- 271184425
- Branches
- 3
It has 462 more members than on June 30, 2025 (+3.9%). Its net worth ratio was up 0.41 percentage points from 9.56% on June 30, 2025. Used vehicle loans are its largest loan category, $37.5M of $105.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.50% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 9.97% net worth ratio is below that band's 11.43% median.
Credit unions similar in size in Illinois
Credit unions merged into Cornerstone Credit Union
Milledgeville Community Credit Union (2018) · Freeport City Employees Credit Union (2015)
Frequently asked about Cornerstone Credit Union
How big is Cornerstone Credit Union?
At Q2 2026 it reported total assets of $176.6M and 12,452 members.
Where is Cornerstone Credit Union headquartered?
It is headquartered in Freeport, IL, United States.
When was Cornerstone Credit Union founded?
It was established in 1939, per NCUA records.
Is Cornerstone Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 60189): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Cornerstone Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Cornerstone Credit Union well capitalized?
Its net worth ratio was 9.97% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Cornerstone Credit Union's delinquency ratio?
Its delinquency ratio was 1.50% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Cornerstone Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 67.17% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Freeport, IL 61032
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1939
- NCUA Charter #
- 60189
- RSSD ID
- 306690
- Members
- 12,452
- Potential members
- 742,114
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 2 of 7 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 9.97% | 11.43% | 27th below |
| Return on assets Middle half of peers: 0.43% to 1.23% | 1.32% | 0.81% | 78th top |
| Return on equity Middle half of peers: 3.87% to 9.84% | 13.22% | 7.02% | over 90th top |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.52% | 3.70% | 39th below |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 71.34% | 76.55% | 67th above |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.82% | 1.24% | 13th bottom |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 1.50% | 0.68% | 15th bottom |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 5.34% | 4.92% | 73rd position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 67.17% | 75.66% | 34th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$176.6M total assets against $168.3M; $157.2M total shares and deposits against $150.7M; $105.6M total loans against $98.5M.
$17.6M net worth against $16.1M.
9.97% net worth ratio against 9.56%.
67.17% loan-to-share ratio against 65.38%.
1.50% delinquency ratio against 1.82%.
1.32% return on assets against 1.19%; 13.22% return on equity against 12.43%.
3.52% net interest margin against 3.32%.
12,452 members against 11,990.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 9.97% | 1.32% | 1.50% | 67.17% |
| March 31, 2026 | 9.56% | 1.39% | 1.28% | 63.83% |
| December 31, 2025 | 9.71% | 0.57% | 1.76% | 66.93% |
| September 30, 2025 | 9.88% | 0.39% | 1.40% | 68.53% |
| June 30, 2025 | 9.56% | 1.19% | 1.82% | 65.38% |
| March 31, 2025 | 9.05% | 0.22% | 0.29% | 62.26% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.