# CORNERSTONE
FAIRFIELD, CT · NCUA charter 24977 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/cornerstone-24977

Who the members are: federal charter, community charter, organized 1934, low-income designated. 4,421 members of 453,222 potential (1.0% of the field); checking penetration 44% (share draft accounts per 100 members); loans per 100 members 36.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $66.7M |
| Members | 4,421 (– YoY) |
| Full-time staff | 13 |
| Net worth | $7.0M |
| Net worth ratio | 10.5% (p26 of band) |
| ROA (annualized) | 1.06% (p68 of band) |
| Total delinquency | 0.12% (p13 of band) |
| Net charge-offs (annualized) | 0.26% (p51 of band) |
| Loans / shares | 66% (p59 of band) |
| Cash / assets | 6.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.10% (p97 of band) |
| Operating expense / assets | 4.19% (p71 of band) |
| Vehicles % of loans | 17% (p10 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 36% |
| Third-party paper % of net worth | 47% (p76 of band) |
| Vehicle delinquency | 0.58% (p50 of band) |
| Vehicle NCO | 0.08% (p41 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 79% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 91% |
| Certificates % of member funds | 4% |
| Average share balance | $7,680 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $905,386 |
| Loans outstanding per 100 members | 36% |
| Loans granted per 100 members, annualized | 3% |
| Average loan balance | $24,446 |
| Loans granted, annualized | $7.1M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $905,386 outstanding purchased (12.9% of net worth), $2,006 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares – year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

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

- 2026-06-30 [Cornerstone Issues Desperate Plea For Water Donations As Less-Fortunate Residents Battle Heat - Patch](https://news.google.com/rss/articles/CBMiugFBVV95cUxNd1haR0ttT1B3UVZPd3FfVEE3UVFHODhxdDdEajJhdHJFaWRHRHNGOWFQYll1V1J5blI1TjJWak1nTk5rNkM2cklSNlhnSmVTa2V4cDMwMTZidjU4a2NwX0d6VWpodkdQM2Z1a1E4RGxHSzhDUHhNZzhDd2dYSjdRVV9oblhnaGx2UVY3b3BQUXNRYnFDaGl2aFBDZ0tWYnRkZEI0NTlIM2IxY2c4RXlScERYYmJESUl2ZXc?oc=5) · Patch
- 2016-07-08 [Fairfield County credit union merging with Wallingford counterpart - Stamford Advocate](https://news.google.com/rss/articles/CBMipwFBVV95cUxQYUhOUUdJdlBZczVtV2JXZXp0OFFUU2gzODAwbFQ5eGZjdjZxZFpXeGl4VktHNUFkLTNSMnpRdTVDSVJweHJsSTlaLWdGMDNkclFQNG8weEt5UjlBTDVTclE1Q1ozRmdvYnZBcDROVmx4VEZrZEkxZ1NSOTdmRU9SRzVzSk8wd3BZUWFUZTMwb0Q0c0dNWllpOVlGeUlGN2VWN1RxdTg3dw?oc=5) · Stamford Advocate
- 2018-11-22 [Comings & Goings: Cornerstone Credit Union has new branch in South Beloit - Rockford Register Star](https://news.google.com/rss/articles/CBMiogFBVV95cUxNcS1tSndnNFNMdWotU3BkeXlLb0FHbzlVamVKOVlRclAtUHF4T1hBbjRDbWlYemx6TFdXaHBIbTJKZTBEdDhJYURtUTNleVdHQUlEbFJ5V0JjMjlBWDRYUHViWDA2bTdjOFBFZUdTbjhPdkRkMkRyUEg5eVVjZkNXX3FrSEgwN2xHeXk1dDFfRGZXMXY2TzNNdmN5a1Q1NEFISHc?oc=5) · Rockford Register Star
- 2026-03-27 [11th annual Cornerstone Foundation Prom Boutique Set To Open - Patch](https://news.google.com/rss/articles/CBMimgFBVV95cUxPOUhVSkl0aUc1R2prNmRaSVpkamgyN01NWFV3cW9wZFAzLVlnUHlWLTk4N3lYTUZUblBRZ1gxTF9pWjFXTmEySnFxcnBpcXZ2d3lQa1I0MTR3SFl4Nk84anZkbFhWczFpUTE0M3RCTjQzbFB5S3JldzNEc0gtQ3dUZkNORjQ1Q3ZsRWVhcnJmUXMzQmVHVlktZDR3?oc=5) · Patch
- 2024-02-02 [Cornerstone Community Financial opens new branch in Clinton Twp. - Macomb Daily](https://news.google.com/rss/articles/CBMipgFBVV95cUxOVEJRRWIyR0ZfVzF5VjBmd2VZR2E0R2s1WDBaQzJQRk81d2JjSTd5RmREVzE5WTZmblk5SVZUMmtlSm96bkpkMWVNOG5Pbm9KM0gzSDFoa0RmZ3p5WW1YbHN5bmJwcktDbXZTUU8tSXAwdDhJM0N3V2NKbDRNbWNoRWZxRlJKbjBHR1Uzak1uSnpGOW9BVzZPVzVsdDY5ZmNHby1ZZ0lR?oc=5) · Macomb Daily
- 2019-07-31 [Danbury credit union sold to Stamford CU - News-Times](https://news.google.com/rss/articles/CBMinAFBVV95cUxNdFF3TVVjdmpvSDNWNkJIaG1PN2ZKYUliM3BET0ZVd0JQcnlXYmRVQlJxM1FfSjJwTEd4Y2c1LTVJZ2lsTmxteFYwSVM3bkNvcTNKZUtHWTFqUmZ6WDZwTHpYQjdNajlabk1TSUU2U25maWNna0k4MmhHWXlPMEdFeHR4UldhM181YWgtX0FYdmJfeVQ1MlZKeV92MXM?oc=5) · News-Times
- 2017-08-10 [Members Credit Union Cos Cob: first in CT to win bilingual designation - Greenwich Time](https://news.google.com/rss/articles/CBMipwFBVV95cUxOanJOMmVDQ2RmLUNqYVYzZmpZaTVxWnFFRlc2QTFoNGZBWkM5eW9JYkpZT1ptaE4tSmF2dWZETVBla1F3bnE3N1FjenIwbDdtbXVkMU1aX0xLZ0JOVno3b1dIekhFQ2ZXQnRTQUZqNnkwN2tBQzAxeXNSeTcxR2tCaWo0OHViTjhQZW5nVThIYm9TbE1MdExTdnp1VGdMZ0E4S3ltbE5NTQ?oc=5) · Greenwich Time
- 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

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24977 (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/17.json (key "24977", 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=24977
- 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