# CORNERSTONE COMMUNITY
LOCKPORT, NY · NCUA charter 11723 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/cornerstone-community-11723

Who the members are: federal charter, community charter, organized 1957, low-income designated. 44,162 members of 1,154,143 potential (3.8% of the field); checking penetration 60% (share draft accounts per 100 members); loans per 100 members 54.

**Verdict on the desk:** this could be *ordinary*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $725.9M |
| Members | 44,162 (2.8% YoY) |
| Full-time staff | 155 |
| Net worth | $54.3M |
| Net worth ratio | 7.5% (p3 of band) |
| ROA (annualized) | 0.48% (p37 of band) |
| Total delinquency | 1.42% (p94 of band) |
| Net charge-offs (annualized) | 0.17% (p17 of band) |
| Loans / shares | 73% (p30 of band) |
| Cash / assets | 5.5% |
| Borrowings / assets | 1.48% |
| Net interest margin | 3.63% (p65 of band) |
| Operating expense / assets | 4.06% (p73 of band) |
| Vehicles % of loans | 11% (p12 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 22% |
| Third-party paper % of net worth | 27% (p29 of band) |
| Vehicle delinquency | 0.34% (p27 of band) |
| Vehicle NCO | 0.82% (p50 of band) |
| Repossessed % of vehicle book | 0.13% (p71 of band) |
| Real estate % of loans | 53% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 254% |
| Core shares % of member funds | 72% |
| Certificates % of member funds | 13% |
| Average share balance | $7,673 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $22.6M |
| Loans outstanding per 100 members | 54% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $20,550 |
| Loans granted, annualized | $111.9M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $22.6M outstanding purchased (41.7% of net worth), $2.2M sold and retained. Sold in 2 and bought in 2 of the last 8 quarters. Shares 4.0% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, losing money, 3rd-party paper>100% NW |  |
| 2016-06 | 2 |  | losing money |
| 2016-09 | 3 | net worth falling |  |
| 2016-12 | 2 |  | net worth falling |
| 2017-03 | 5 | capital below 7%, losing money |  |
| 2017-06 | 5 | net worth falling | losing money |
| 2017-09 | 4 |  | net worth falling |
| 2017-12 | 4 |  |  |
| 2018-03 | 4 |  |  |
| 2018-06 | 4 |  |  |
| 2018-09 | 2 |  | capital below 7% |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 3 | net worth falling |  |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 3 | margin squeeze |  |
| 2021-03 | 6 | capital below 7%, net worth falling |  |
| 2021-06 | 4 |  | margin squeeze, net worth falling |
| 2021-09 | 2 |  | capital below 7% |
| 2021-12 | 1 |  | 3rd-party paper>100% NW |
| 2022-03 | 2 | 3rd-party paper>100% NW |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 4 | delinquency rising, members leaving |  |
| 2022-12 | 3 |  | members leaving |
| 2023-03 | 3 | members leaving | delinquency rising |
| 2023-06 | 3 |  |  |
| 2023-09 | 2 |  | members leaving |
| 2023-12 | 1 |  | 3rd-party paper>100% NW |
| 2024-03 | 2 | net worth falling |  |
| 2024-06 | 1 |  | net worth falling |
| 2024-09 | 1 |  |  |
| 2024-12 | 4 | net worth falling, delinquency 2x band, delinquency rising |  |
| 2025-03 | 3 | losing money | delinquency 2x band, delinquency rising |
| 2025-06 | 2 |  | losing money |
| 2025-09 | 2 | delinquency rising | net worth falling |
| 2025-12 | 2 | delinquency 2x band | delinquency rising |
| 2026-03 | 3 | delinquency rising |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-20 [Six Charged In $1.3-Million Fraud Scheme Targeting Banks, Credit Unions With Stolen Tax Refund Checks - cutoday.info](https://news.google.com/rss/articles/CBMi0gFBVV95cUxONlFVdmtoV2RvM3lHNG9MaHlDRUVqYzZRVlNtUFJrYnNlNHlENXkwQlk5RWVIRV82cGVkRGEzUUJQbnFiRXljc0wzMU1MdVlUOHoyaHNmaVhmcGFjM2QzVERvRHRhR2JwdE1aNDJKSTRCSFFVZEhmc1VaZ0tBQnZ5ZTVESzVwcWRyZ0l0SlRtb0dJVG95dU9jc0lOZGFZX0NrcjBWcnRHUlUyN3RJMEhNazRLYjcyeGFNOG5oOGZidXY3R1BYN09aVUJFUVdPWjcyMmc?oc=5) · cutoday.info
- 2024-04-08 [WNY's largest credit union ready to unveil new $3M branch - WGRZ](https://news.google.com/rss/articles/CBMi7AFBVV95cUxPUURfeGRvWlBPdVBnV1AzaFE5MnREVnZjRVBDQ2dtbDhDU2J4RWl0LXZDOTZCbEMzZ1NSS3RtVFJFdlVXRUlETnBTVWFqaUE1TkJzUlJYMGYzSDdHUldkQkdaXzBoRjNDTWRCdWhtVHVzYUxOZmVfdndyNTFzYk1QbjJITEw5U2Zpbm15RGp1bHdyT0FlRVk4b2ZnblcxS0t0OWNwX2FoYUhlZktVNlZZU0hsSHZmNXliMXpjVnpGRGFicUl1QS1paklUXzlnbl9SZGRsS01JVTlGR21IX3o0OHBsMUNmSzJuWEVUYQ?oc=5) · WGRZ
- 2022-12-28 [Cornerstone Community FCU finds line between community and growth - The Business Journals](https://news.google.com/rss/articles/CBMilgFBVV95cUxPaUZCU0cwMFI1VEQzU3NUUnNOVXM3WUpuZlZHYUdiaklUYmpaN1FCd2t3YUMwWFRlTHVKenMwX2JiS21GNml0Q3pJMVpNdkhDTmhILUpBTTBhUjh1SkRxajBDQmlZaktCUlJrZnlaVlA5Q19HZW1CUkZ1OEFTeU1NTm1kZU1YeUk4VVc5MFNGMm0zZkF6cUE?oc=5) · The Business Journals
- 2018-02-07 [Cornerstone Community Federal Credit Union taps new CEO - American Banker](https://news.google.com/rss/articles/CBMipwFBVV95cUxOVDdZbFRVVzVjMEFMSXQySHhNTEVKTHZXVmJVeDZiMVhPX0YtWTlUcHRFSy1qOXFBWllPQTlGRlVUYzI0Z1h5eHgzMVhJSmRmN0hEWnNKbTlreHN6UTVYTVBHa0JfbjJXZEl2TTZhVEpwRUpyQ1VqbFhMQlFNd2xiaEtGYU5ReGRLN25kRXpmOEl6Z1pWa3JuNS11SUx5RGFKMzk3bm9aZw?oc=5) · American Banker
- 2025-05-19 [Cornerstone Community Financial C.U. Names Shawn Wolbert CFO - DBusiness Magazine](https://news.google.com/rss/articles/CBMimAFBVV95cUxQVVNoYU9vTVdMUV9tdF9zU3FGbnRwM3I0VDVxOGxxelpMNHJBRjJwaUJTYzYzLTd0NjVheGpsNTQ4cnE3LUFrSkZNM3JIWlNUVUNtMm1ieFRTNWpwc19QZFAxcnZrTUlsWURKSUstSUtabF9mRnI2ZnN6WHY0Y0cyWHVhM1ZUUFhzZ0I2YzgtbVBmVlRtM2xscw?oc=5) · DBusiness Magazine
- 2012-12-05 [Cornerstone CFCU to open Village of Lewiston branch - Niagara Frontier Publications](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQZENXaEJrQzBkalNGXzYtdFVOVHpvNVhzcXN0SjMxUUNtWHdqOFlnZDJWSG80d0Npd2ZmWlR5VjlhZS1oRExQRkMyVW5ua0ZCSDRETHpMYmc5SzBKbkRmWTlfMkZrTUtfN3A4aFl4cDV6ZFRwYlhxeDkwcW9sa2gzTTBad3NaakxaOGg0SERrNHNpdXlNa3hOV2dUXzFET19ndXdZMWdQNnhoWTdqTEFHZk9JMmtKWnFp?oc=5) · Niagara Frontier Publications
- 2025-03-31 [Cornerstone's Eric Hepkins: He's a banker, a woodworker and an Ironman - Buffalo Business First - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxPM2tnLTkxOVNaRmduaU1BaWxTbGxKeldXbElHU2VnUnp0Tl9TdkR2QThlT2taZV9LdllWdVBtTzFuQkZnWEwzdmlXeGxXbjdCR2h4cmgwQTFjaEJZWTZDQVlWQXNHdDBJX3prNUZ2TE8wdjgzY21BeDQ3UFBBVm9vV0NjZTl1Y1RNclZxaGp3d3k2YzkwNzZRWTRkZVNQcnpoeUdmaWJB?oc=5) · The Business Journals
- 2018-02-08 [Energy Plus CU, Cornerstone Community Name New CEOs - cutoday.info](https://news.google.com/rss/articles/CBMikAFBVV95cUxPZXd2SkFDdzRtR1ljQUhBX0N4NENVVlJxRmoxRTJraWlSSndxWWRRZm9RUEk4WXlHYW5naEcxWUhLdzVzS2pLLTI1TzFjYXVBNzRlMFhIZFNnOG9WMFd6VXBlbmRHRkMyWndCSkdfNWRkRmhaajM5ME1mRXh0bUhtQVhxWHYxVmtDQWkydlF2aEg?oc=5) · cutoday.info

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=11723 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/11.json (key "11723", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=11723
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide