# CORNERSTONE COMMUNITY FINANCIAL
Auburn Hills, MI · NCUA charter 68641 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/cornerstone-community-financial-68641

Who the members are: state charter, organized 1951, low-income designated. 25,722 members of 500,000 potential (5.1% of the field); checking penetration 55% (share draft accounts per 100 members); loans per 100 members 95.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $479.6M |
| Members | 25,722 (2.7% YoY) |
| Full-time staff | 98 |
| Net worth | $55.9M |
| Net worth ratio | 11.7% (p57 of band) |
| ROA (annualized) | 0.68% (p48 of band) |
| Total delinquency | 1.07% (p82 of band) |
| Net charge-offs (annualized) | 0.94% (p86 of band) |
| Loans / shares | 100% (p98 of band) |
| Cash / assets | 13.7% |
| Borrowings / assets | 9.80% |
| Net interest margin | 4.08% (p80 of band) |
| Operating expense / assets | 3.94% (p61 of band) |
| Vehicles % of loans | 45% (p73 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 60% |
| Third-party paper % of net worth | 336% (p95 of band) |
| Vehicle delinquency | 1.63% (p89 of band) |
| Vehicle NCO | 1.11% (p74 of band) |
| Repossessed % of vehicle book | 0.27% (p90 of band) |
| Real estate % of loans | 22% |
| Credit cards % of loans | 7% |
| Unsecured % of loans | 13% |
| Commercial % of net worth | 104% |
| Core shares % of member funds | 40% |
| Certificates % of member funds | 31% |
| Average share balance | $7,088 |
| Participations bought / yr | $9.2M |
| Participations sold / yr | $0 |
| Participations outstanding | $48.8M |
| Loans outstanding per 100 members | 95% |
| Loans granted per 100 members, annualized | 19% |
| Average loan balance | $15,251 |
| Loans granted, annualized | $95.1M |

## Participation posture (from the same filings)

Bought $9.2M and sold $0 in the latest annualized quarter; $48.8M outstanding purchased (87.3% of net worth), $8.7M sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 11.2% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency rising** (`aq_dq_rising`)
- **loans>95% of shares** (`str_ltos`)
- **leaning on borrowings** (`str_borrowings`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | loans>95% of shares, 3rd-party paper>100% NW |  |
| 2016-06 | 3 | charge-offs p90 |  |
| 2016-09 | 4 | net worth falling, leaning on borrowings | charge-offs p90 |
| 2016-12 | 2 |  | net worth falling, leaning on borrowings |
| 2017-03 | 2 |  |  |
| 2017-06 | 3 | members leaving |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 2 |  | members leaving |
| 2018-09 | 3 | leaning on borrowings |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 4 | net worth falling |  |
| 2019-06 | 3 |  | net worth falling |
| 2019-09 | 2 |  | leaning on borrowings |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | leaning on borrowings |  |
| 2020-06 | 3 | net worth falling | leaning on borrowings |
| 2020-09 | 2 |  | loans>95% of shares |
| 2020-12 | 2 | loans>95% of shares | net worth falling |
| 2021-03 | 1 |  | loans>95% of shares |
| 2021-06 | 1 |  |  |
| 2021-09 | 2 | loans>95% of shares |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 1 |  | loans>95% of shares |
| 2022-06 | 3 | delinquency rising, loans>95% of shares |  |
| 2022-09 | 3 | leaning on borrowings | delinquency rising |
| 2022-12 | 5 | net worth falling, delinquency rising |  |
| 2023-03 | 4 |  | net worth falling |
| 2023-06 | 3 |  | delinquency rising |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 4 | net worth falling |  |
| 2024-06 | 3 |  | net worth falling |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 4 | net worth falling |  |
| 2025-06 | 3 |  | net worth falling |
| 2025-09 | 3 |  |  |
| 2025-12 | 4 | net worth falling |  |
| 2026-03 | 5 | delinquency rising |  |

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

- 2026-07-28 [Cornerstone Community Financial Credit Union appoints Denise Miller as chief financial officer to support continued growth - CUInsight](https://news.google.com/rss/articles/CBMi9gFBVV95cUxOTldTaHBqR2JoNkNSbl95YkYtanYtMEFDRUtwS0J0T3F4R04tZG9BajRKUmpuS0Y2ZkZJc0JxQWhhMkRCWmZlRDFmYlJXcW41VHptSmZvR0RrRHVyT1dnRXdsRmR5a01TbEUyUGV0Ymt4eVV0Z1dZX0Y4MjVLVWM4MzBacHNtU0piU1k4OER1YzVZOS00TmtzNElaNU9fZG1oeWtoQkpTR0Z6aGhuVnZRZmgyLWRqWC1vRTVqTUZPU0V0OG9icDlRUnJXMHBvV3NuVThyX2gyMW1ZUmpQMVRrelA0MGNKSFdJaU1ZNFFFUkxNaHlyLUE?oc=5) · CUInsight
- 2026-04-19 [Shred Day - Michigan Public](https://news.google.com/rss/articles/CBMijgFBVV95cUxNNXVORlh4OTkwR0xsTWhGRVZrYnNsMWdDU3Y0TG9Talc5ZWw0OXhOMTduTGV1cUdUSlhramw3c3MzLWpqVk8xUDNJR2lqUE9lTXVrQjY5QTd0cndpeUJXTmNOS0hSMWJDczF4T3A0XzRpSUNHNVRIeWs5aUtPNDlIN2hHZk5xTHpwckVxZXNn?oc=5) · Michigan Public
- 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
- 2026-07-29 [Auburn Hills National Night Out is Aug 11 - Oakland County Times](https://news.google.com/rss/articles/CBMiigFBVV95cUxPWXpMQTRtS1QxbVVhNkhuTTR6WF91Qy1zZXZfcm1MYzM5Tjl2MXNwTlA4QmxUQVVVVDdBQThITDRfRmpzQ0ZxRHFBeUFnUTlHbURsczkzLU8xUFFDX1hFSExLTXBJWkE0elJpMXk0bXRka2ZWaWx5dk1ZcVpwWjJJTVRpQTQwRDFIYXc?oc=5) · Oakland County Times
- 2026-03-02 [Charting the next chapter: Orsa Credit Union names Shawn Wolbert chief financial officer - CUInsight](https://news.google.com/rss/articles/CBMixwFBVV95cUxOcjFVNkEwbjUxRDlXUkhWdUpyRjN3cFFvZGdiaFVsVkVlQktsWTREOGdqZE5KakhmUFIyNjJwN1FXZkU0Q2EwNnhST3haYVpMR0lGdkZCQVZvVHAtaXJ0TTRJTEFEZTZtaXFmQm5SSTVGTmhoQmFINWE2SkxKOG8zeXhfSlFOWlB4WS1PckxVR1g4SWRRWGlSZ3pwT1lwbFRwUFltcUotYWRpRndGdHcwQWFBZllrcm5paFM3X2R2QzE2SHQ5d2ww?oc=5) · CUInsight
- 2025-12-03 [Marquis data breach impacts over 74 US banks, credit unions - BleepingComputer](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNN25wV2ZwYk9ESjhEMGdsY1N4dXdSV2FBTUo2R21EX0JoODBvWlhTcVJ3TmtDdW5veDVucFZwS0V2M0Z5VGJsLVQ3MDJWQUpISFgtb1p6aWI0ZnE2MVdjTU8xXzZuclIwQ3ZGRVBCYl9jWXJjeURoNW9UM2hHay1uOElZSENqalFVWndUYV9xUjRnQ284QkpDSnJZNENHOHRfMnhDSnlSbXRzQdIBrwFBVV95cUxPNWZVaVhpYWZHQmVuT1ZWMUt1eTN6VjE1YnE5VC1wWWo0UE4xUG1BSmduNnBZckhtZE5ZTUFkQjdXa3dQS21JMHlIc015cEhsdkVfRzRsSU9YN3owcWFOcWNQQWJTcmxLcjJlYnRUYkd5UFBVclVVODdhVGQ0RTZVZjJDZlpiUWNQWjllcDBVcFQ0WW9qQ1dNNVY2TDNDeS11cU0xN2lNNHdnSG5mckE0?oc=5) · BleepingComputer
- 2025-10-21 [Hundreds of toys delivered to Children's Hospital of Michigan bring joy to young cancer patients - WXYZ Channel 7](https://news.google.com/rss/articles/CBMi0gFBVV95cUxQbWpIb1A0UnBSSGsxanBPYmRrYkVPRE9UWFdvdnQxLTJ4MDZ1U09mQlZiNzc2eUFnWHNWXy15ekw2UkRXanhWZFJnYm5KVmxYNG5VTGlsZ0dheTR2T2d3MzVnTkJHTlg4bWREZElvUGhKNDJ1X1Axa3B2TjhEX2tmMFNoOWpwa25vUFBpNDhnU0lCTnI4bzM1RzdVbWxLcVlNOG50ekIwN0Uzdk5lRURMTlFrTDlFdzlaTW5sQW5wOTA1WENkWUVrV09WV0Nhbk9CNEE?oc=5) · WXYZ Channel 7
- 2023-09-15 [Largest Credit Unions in Metro Detroit - DBusiness Magazine](https://news.google.com/rss/articles/CBMijgFBVV95cUxNQXBMOEo3eWl2TThOTW1MMzRvcFZKczZyejFEUWFhSVlYNGVSQkwzMmpvZ011QWdrVEtncG5ZbWZWTzh4Sl9DbWo1LWFGY3pNbm5SSGFyVlpqbkVpM2FtOFRiNzVMVFZnNGZ5YS1iWTJvajBvd21Hc1M0bjNXMUtrOVVxN0Jkclh5cnRUS0lR?oc=5) · DBusiness Magazine

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68641 (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/33.json (key "68641", 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=68641
- 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