# CORNERSTONE
Carlisle, PA · NCUA charter 21789 · asset band $100-200M · latest filing 2017-06 · stopped filing after 2017-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/cornerstone-21789

Who the members are: federal charter, community charter, organized 1974. 11,078 members of 250,000 potential (4.4% of the field); checking penetration 56% (share draft accounts per 100 members); loans per 100 members 52.

**Verdict on the desk:** this could be *ordinary*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $108.5M |
| Members | 11,078 (1.9% YoY) |
| Full-time staff | 27 |
| Net worth | $10.8M |
| Net worth ratio | 10.0% (p45 of band) |
| ROA (annualized) | 0.02% (p10 of band) |
| Total delinquency | 1.41% (p85 of band) |
| Net charge-offs (annualized) | 0.14% (p21 of band) |
| Loans / shares | 59% (p27 of band) |
| Cash / assets | 8.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.61% (p24 of band) |
| Operating expense / assets | 3.28% (p37 of band) |
| Vehicles % of loans | 20% (p16 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 26% |
| Third-party paper % of net worth | 28% (p51 of band) |
| Vehicle delinquency | 0.28% (p30 of band) |
| Vehicle NCO | 0.00% (p4 of band) |
| Repossessed % of vehicle book | 0.00% (p29 of band) |
| Real estate % of loans | 65% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 55% |
| Certificates % of member funds | 14% |
| Average share balance | $4,653 |
| Participations bought / yr | $819,242 |
| Participations sold / yr | $274,756 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 52% |
| Loans granted per 100 members, annualized | 50% |
| Average loan balance | $10,062 |
| Loans granted, annualized | $26.4M |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 2 | losing money, delinquency 2x band |  |
| 2017-06 | 2 | delinquency rising | losing money |

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

- 2026-04-09 [Cornerstone Community Financial Credit Union Launches GenGrow Family Wallet Youth Banking Platform with Rego Payment Architectures, Inc. - Yahoo Finance](https://news.google.com/rss/articles/CBMirgFBVV95cUxNWGx0LTBEb2czcUV1T3dtWFNvWVRpOWpPT1JSNkpGc2RPRF9OdEpGcERpTHk5Qjk1XzV3MEUtWjFUMi0zQUJjYTBMSXZtcVh0eHJ4MWJHa3NOWk1ITDZfVGxVU01xeXQxRFZjNW1La3hxdFVxNlpNa0ZhdkFyYzlqX3c4Tk1YRFBlQ1Y3azVnd2ZoQlIyR2VIUGJoQldkNUM5NVBkMF9aVC1fZ3ZkYWc?oc=5) · Yahoo Finance
- 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
- 2025-10-31 [Cornerstone Financial Credit Union cuts ribbon on new branch in Fairview - Williamson Herald](https://news.google.com/rss/articles/CBMigwJBVV95cUxNdlVhNGR3RzZaVGxXRjJtQUw4aTh4bVhPYldoSF81MG1HNUFNSGhfMUJpSXBKS2pXN0xvaW1XN2RkRzdIZC1PeVFxejZLejd6bno3MDloOU1MNUdQT0p6UUR0RUs3clJSUmY2T2ktRTdTS3M4UTJVcnJJTHFLaC1aaFVjX1lmMG56OFdiY0RBNlZnVlRWWnY4SFI3SU5VQ2NiMHl3LXhzbjM5NHpvZm5ZenlFVjg4N0JjVzFyaEZ0ejN5LUFkZ214MjMtdzBSaS1kc1R6enBDS2puWVFEclJKUlJYd0w1dzRoZnVJU3RKek1FQU9EMjNiaW1rTlRiTGdWakJj?oc=5) · Williamson Herald
- 2025-12-08 [Marquis Software Solutions Under Investigation for Data Breach of Over 780,000 Financial Records - Schubert Jonckheer & Kolbe](https://news.google.com/rss/articles/CBMickFVX3lxTE1vZVQ4bU5jSFVZOGJmZmVqbDJWLXBOcHcxWUZISVE3djVZZVM4ZHFaRTdFTk9vMGptMU5fY2NjMmNRRlRSX1BHVEJ6VjdDeHlSNEZIeTNYU2VoYVRaaDZqT2otMUJvaEROYWx3OWdlQmdIZw?oc=5) · Schubert Jonckheer & Kolbe
- 2026-07-20 [TruStage Discloses Scant Details as Cybersecurity Investigation Continues - CUTimes](https://news.google.com/rss/articles/CBMirgFBVV95cUxOOVFwS0xFS2NnMF9SQWxfRURZWlFsczVTR2EzR2VEeW0zR3F0SjNUZ2lQd1AwYXdLRERTVEl0WFpFTnNSYm9xbGRJSDR1cUZDMnp5TjRwZTRLTVRfZVRYNFF5UEk3Y2hfZlBJcS1LLW1fOWtuM28tZHVrUzNRTWRhcUt2V2RNaWZ1V1o2cTFiZks0QmxXZUNTZG05dUlPNTFfVWNMZEczSFJFaExaNHc?oc=5) · CUTimes
- 2020-08-26 [Members of Cornerstone Federal Credit Union approve merger into Belco - American Banker](https://news.google.com/rss/articles/CBMiugFBVV95cUxPb0ZER0M1bjVqU0IyZXlRbXEwYTljSmZHRHFfRlBUWXhPR0NqcV9iNGkzYzhHOUhBM2hnRGs3OWxIelRROVV6SGRMTlZnMjJxU29WLWJJYWdhZC1jS3BoNWdwN2VpWjBhZTJqR1dMSDdLZ0J4ZjdkZ0xEaHJZLXhka1p1WElGSkJvb3lwLUlmVlU0Mjh1aVRmTFFabGRNVmwxQU45VmVBbVlWMVdMNVo1NTZwdjZQeE1KM2c?oc=5) · American Banker
- 2026-04-02 [Robert Alesczyk Obituary (2026) - Plains Township, PA - Times Leader - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxOZElnZlktR09TMUdfU0JxZDY5UGh2dE5EQWJGd0JTMmRyQng3TGlvZFM4bkVBclF1TUJOMlF6RFNPVlQ5V19jbWdQTWRuUWE5UGdNMG9RSElDTS1MdkRKZ2k0cmR5UHctNktfdjE3TTVnZ3N1ZEw0NW1LR2VqUDhMRmEwQUNVNlgxcThDTHNyTFIxZzBh?oc=5) · legacy.com
- 2017-03-03 [Cornerstone members approve merger with Belco - ABC27](https://news.google.com/rss/articles/CBMifkFVX3lxTE13ZUV1cWk1b0oxc2gyLVo1aHFuMlJTNHRoNXkxU0o5SVRtVTZpZnZXSkx1dnVkdmNYXzdlUnhiZ3JBSVM0N21yUEJ4TVRBVnFjMDhJREkzTjVxb2x3ZUZZRVhEaEpITVROdFFFY25OOWpiRzhic2VuMWtJMktCZ9IBgwFBVV95cUxNMXhoaXVudk1mcHZ6dXBnUHhhdmNKSS1lb2VkTEsxRkZlUHZuaWtESXZnMFB2T0hJMnA1NUpLWWZSNUlla0xHYWY3dTRuOVpiSjRhdUVBblMtdjNkNXZkaUV4QW1VU0tnQTU4NzlrUmxMUFU4VHljTkdISHZJWTZkdnlEaw?oc=5) · ABC27

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=21789 (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/29.json (key "21789", 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=21789
- 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.

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