# CORNERSTONE COMMUNITY
FAIRFIELD, CT · NCUA charter 68674 · asset band $50-100M · latest filing 2025-06 · stopped filing after 2025-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/cornerstone-community-68674

Who the members are: state charter, organized 1934, low-income designated. 4,602 members of 453,222 potential (1.0% of the field); checking penetration 44% (share draft accounts per 100 members); loans per 100 members 37.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $69.5M |
| Members | 4,602 (-2.1% YoY) |
| Full-time staff | 13 |
| Net worth | $6.7M |
| Net worth ratio | 9.6% (p17 of band) |
| ROA (annualized) | 0.23% (p19 of band) |
| Total delinquency | 0.60% (p49 of band) |
| Net charge-offs (annualized) | -0.05% (p3 of band) |
| Loans / shares | 66% (p56 of band) |
| Cash / assets | 7.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.39% (p38 of band) |
| Operating expense / assets | 3.70% (p60 of band) |
| Vehicles % of loans | 23% (p17 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 40% |
| Third-party paper % of net worth | 79% (p80 of band) |
| Vehicle delinquency | 1.76% (p88 of band) |
| Vehicle NCO | 0.02% (p23 of band) |
| Repossessed % of vehicle book | 0.00% (p39 of band) |
| Real estate % of loans | 74% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 90% |
| Certificates % of member funds | 2% |
| Average share balance | $7,769 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 37% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $23,874 |
| Loans granted, annualized | $6.0M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, capital below 7% |  |
| 2016-06 | 2 | repo signal | capital below 7% |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 4 | losing money, delinquency 2x band, delinquency rising | thin capital |
| 2017-06 | 6 | thin capital, capital below 7% | losing money |
| 2017-09 | 3 | margin squeeze | delinquency 2x band, delinquency rising, capital below 7% |
| 2017-12 | 3 |  |  |
| 2018-03 | 5 | capital below 7%, members leaving | margin squeeze |
| 2018-06 | 6 | net worth falling |  |
| 2018-09 | 3 |  | capital below 7%, net worth falling |
| 2018-12 | 3 |  |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 5 | net worth falling, assets shrinking |  |
| 2019-09 | 1 |  | thin capital, members leaving, net worth falling, assets shrinking |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | net worth falling, delinquency rising | repo signal |
| 2020-06 | 2 | thin capital | delinquency rising |
| 2020-09 | 0 |  | net worth falling, thin capital |
| 2020-12 | 1 | members leaving |  |
| 2021-03 | 3 | thin capital, margin squeeze |  |
| 2021-06 | 3 | net worth falling | margin squeeze |
| 2021-09 | 1 |  | thin capital, net worth falling |
| 2021-12 | 4 | thin capital, capital below 7%, 3rd-party paper>100% NW | members leaving |
| 2022-03 | 5 | members leaving |  |
| 2022-06 | 6 | delinquency rising |  |
| 2022-09 | 3 |  | capital below 7%, delinquency rising |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 |  |  |
| 2023-06 | 3 | assets shrinking | thin capital |
| 2023-09 | 3 | delinquency rising | assets shrinking |
| 2023-12 | 3 |  |  |
| 2024-03 | 2 |  | members leaving |
| 2024-06 | 1 |  | delinquency rising |
| 2024-09 | 2 | delinquency rising |  |
| 2024-12 | 0 |  | 3rd-party paper>100% NW, delinquency rising |
| 2025-03 | 1 | net worth falling |  |
| 2025-06 | 1 |  |  |

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

- 2016-07-08 [Fairfield County credit union merging with Wallingford counterpart - Stamford Advocate](https://news.google.com/rss/articles/CBMipwFBVV95cUxQYUhOUUdJdlBZczVtV2JXZXp0OFFUU2gzODAwbFQ5eGZjdjZxZFpXeGl4VktHNUFkLTNSMnpRdTVDSVJweHJsSTlaLWdGMDNkclFQNG8weEt5UjlBTDVTclE1Q1ozRmdvYnZBcDROVmx4VEZrZEkxZ1NSOTdmRU9SRzVzSk8wd3BZUWFUZTMwb0Q0c0dNWllpOVlGeUlGN2VWN1RxdTg3dw?oc=5) · Stamford Advocate
- 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
- 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
- 2019-07-31 [Danbury credit union sold to Stamford CU - News-Times](https://news.google.com/rss/articles/CBMinAFBVV95cUxNdFF3TVVjdmpvSDNWNkJIaG1PN2ZKYUliM3BET0ZVd0JQcnlXYmRVQlJxM1FfSjJwTEd4Y2c1LTVJZ2lsTmxteFYwSVM3bkNvcTNKZUtHWTFqUmZ6WDZwTHpYQjdNajlabk1TSUU2U25maWNna0k4MmhHWXlPMEdFeHR4UldhM181YWgtX0FYdmJfeVQ1MlZKeV92MXM?oc=5) · News-Times
- 2016-04-20 [Younkers memorabilia featured in local credit union - The Des Moines Register](https://news.google.com/rss/articles/CBMirwFBVV95cUxObDZqQlJtaFRJYTRVZE9JRXFVZkVTYThnY2o0Q3lpLVdXQ1VuSHQyVzB4N09OODBVS3NWZF85aHEwdHY0eTVYRFoyWTJ1YlpQbktjVUNIdVBvTktrUkFPQmF3NjVfS3FnVTM0WjgtOHcwODhaZVI0eTJFMGJWRFlqSXdqWDRpejlPNFlfWHpFek96aGtTZlpKZG5hTXpkLUdHRk9NcHpSLS16MVdQcjVV?oc=5) · The Des Moines Register
- 2025-10-08 [Nine with ties to Buffalo State honored among Business First’s 40 Under 40 - SUNY Buffalo State University](https://news.google.com/rss/articles/CBMiogFBVV95cUxONl9qZjM3YkFhbDAwS3lCQkdGRG9rWDRPZzNTQVh4aTNYYy16UWpITzJuc2U1d1QySGNMZEJ0aG9WY2FvRXVyNkp5SDJHTHJlQ1FlZTJxbjRuYUNyM191eVdnenFsaHA5WFJqY19yYWUwYmlGalV2OXF2dTJISFE5b25VT0YtVEdsTHJEcl9DM1JSdUJpQS1pMTJRUVNmYk1VeFE?oc=5) · SUNY Buffalo State University
- 2024-06-20 [Cornerstone 'Desperate' For Bottled Water As Heatwave Rages On - Patch](https://news.google.com/rss/articles/CBMikAFBVV95cUxOS1NScF9tVE54dEJzUkU1bHMxV3FUTnd6UHViZDN0aTNOMVFMc09zRXgyLUJiSVRhZ2g0TE11VDV5ZDB6cU01TldNSXZVOUp2TkFtYjVTWWNRbzI3UjB1RWRsdnBkbTJsTWtxaUtVTW8xbzVkREtiQmVXRUszMWd4WVdrcV9YRmtseUl5SzV0bmE?oc=5) · Patch
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - imore.com](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · imore.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68674 (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/2.json (key "68674", 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=68674
- 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