McDowell Cornerstone Credit Union Marion, North Carolina
McDowell Cornerstone Credit Union is a state-chartered credit union headquartered in Marion, NC, established in 1967 (NCUA charter 60149), and it is regulated and insured by the NCUA. At Q2 2026 it reported 2,710 members and total assets of $38.3M (up 3.3% from Q2 2025), the 38th largest of 56 credit unions headquartered in North Carolina. Its net worth ratio was 17.72% at Q2 2026, in the well capitalized band.
Also written as McDowell 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
- 60149
- Headquarters
- Marion, NC
- Established
- 1967
- Total assets, Q2 2026
- $38.3M
- Assets vs Q2 2025
- +3.3%
- Members, Q2 2026
- 2,710
- Net worth ratio, Q2 2026
- 17.72%
- Latest call report
- Q2 2026, NCUA 5300 · McDowell Cornerstone Credit Union call report
- Asset rank in state
- 38th of 56 in North Carolina
- Routing number
- 253176574
- Branches
- 1
It has 73 fewer members than on June 30, 2025 (-2.6%). Its net worth ratio was up 0.45 percentage points from 17.27% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $16.6M of $22.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 2.53% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 17.72% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in North Carolina
Frequently asked about McDowell Cornerstone Credit Union
How big is McDowell Cornerstone Credit Union?
At Q2 2026 it reported total assets of $38.3M and 2,710 members.
Where is McDowell Cornerstone Credit Union headquartered?
It is headquartered in Marion, NC, United States.
When was McDowell Cornerstone Credit Union founded?
It was established in 1967, per NCUA records.
Is McDowell Cornerstone Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 60149): 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 McDowell 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 McDowell Cornerstone Credit Union well capitalized?
Its net worth ratio was 17.72% 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 McDowell Cornerstone Credit Union's delinquency ratio?
Its delinquency ratio was 2.53% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is McDowell Cornerstone Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 72.64% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Marion, NC 28752
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1967
- NCUA Charter #
- 60149
- RSSD ID
- 374895
- Members
- 2,710
- Potential members
- 45,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 3 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 17.72% | 14.31% | 67th above |
| Return on assets Middle half of peers: 0.16% to 1.30% | 1.35% | 0.72% | 76th top |
| Return on equity Middle half of peers: 1.04% to 8.69% | 7.64% | 4.74% | 68th above |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.87% | 3.93% | 48th below |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 62.50% | 79.83% | 83rd top |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.36% | 0.78% | 76th top |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 2.53% | 0.86% | 20th bottom |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.23% | 4.70% | 26th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 72.64% | 58.92% | 70th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$38.3M total assets against $37.0M; $30.9M total shares and deposits against $30.3M; $22.4M total loans against $23.5M.
$6.8M net worth against $6.4M.
17.72% net worth ratio against 17.27%.
72.64% loan-to-share ratio against 77.50%.
2.53% delinquency ratio against 0.43%.
1.35% return on assets against 2.02%; 7.64% return on equity against 11.71%.
3.87% net interest margin against 4.47%.
2,710 members against 2,783.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 17.72% | 1.35% | 2.53% | 72.64% |
| March 31, 2026 | 17.91% | 1.30% | 0.88% | 73.82% |
| December 31, 2025 | 17.42% | -0.07% | 0.84% | 74.26% |
| September 30, 2025 | 17.67% | 1.85% | 0.75% | 76.72% |
| June 30, 2025 | 17.27% | 2.02% | 0.43% | 77.50% |
| March 31, 2025 | 16.77% | 1.05% | 0.22% | 78.16% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 2% of the loan book, well above the credit-union industry norm of under 1%. Sustained high delinquency erodes net worth through charge-offs. BankRegReports band vs the <1% industry norm.
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.