# CORNERSTONE
CALDWELL, ID · NCUA charter 97054 · asset band <$50M · latest filing 2016-03 · stopped filing after 2016-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/cornerstone-97054

Who the members are: state charter, organized 1955. 4,224 members of 7,500 potential (56.3% of the field); checking penetration 42% (share draft accounts per 100 members); loans per 100 members 41.

**Verdict on the desk:** this could be *stressed*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $15.9M |
| Members | 4,224 (– YoY) |
| Full-time staff | 7 |
| Net worth | $622,418 |
| Net worth ratio | 3.9% (p0 of band) |
| ROA (annualized) | -1.05% (p8 of band) |
| Total delinquency | 0.79% (p49 of band) |
| Net charge-offs (annualized) | -0.08% (p14 of band) |
| Loans / shares | 63% (p64 of band) |
| Cash / assets | 12.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.03% (p53 of band) |
| Operating expense / assets | 6.12% (p93 of band) |
| Vehicles % of loans | 68% (p76 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 7% |
| Third-party paper % of net worth | 75% (p96 of band) |
| Vehicle delinquency | 0.65% (p55 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.34% (p95 of band) |
| Real estate % of loans | 8% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 12% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 97% |
| Certificates % of member funds | 0% |
| Average share balance | $2,144 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 41% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $5,519 |
| Loans granted, annualized | $4.9M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 6 | thin capital, capital below 7%, losing money, expense trap, auto monoline |  |

## 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
- 2026-05-18 [Fraud Ring Allegedly Uses Fake IDs to Steal $1.3 Million From Credit Unions & Banks - CUTimes](https://news.google.com/rss/articles/CBMitwFBVV95cUxOalptaG1aZFFoQnBqZmpIMlN0RXo2S2lxN3pGaks3Y3lPTmRkN2hqdzJjLW9MNGJERExTZ1hYbWlLOEdfdFZ3elM4aDlNUVB1RzY5ZHVDcmdFVlkxSHJTOE9lU1dHTDJMSm9vYWpVR1NMeENnbENSN2lXZ2xzNi1od0o0QXlOb2lwNzhoMjBGLXI4WlJMWXExSDA3dDVvLVJHaTY3QUJ5WHRreEZsMUxURkVLN3ZvNzQ?oc=5) · CUTimes
- 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 &amp; Kolbe
- 2026-03-12 [Williamson Weekly: Hardware Store to Close After 50 Years - Williamson Scene](https://news.google.com/rss/articles/CBMi2wFBVV95cUxOWVhsbTNwWDA4YVZ3TXNoZ1ltQjFXNjBlWFl1UENBbmloSHk5MzU1MTZVUHZaVlVrbEZGWjBZSFJmWm9oNkdBaGVRcld0a2luZnJlTW9MQ3JydWZabS0yM2xPRkFabmEzdlEzdmFrZnE0MXV4Ri12UEFGTENqQ0dZa1lXSEprek1PQ2lVWFRFRHo1UlEyWDJzRHhkX0V3U2NsQXY4dm1FU1k0OVA2akZaMU8tbHhjYnh0N2tZcm1OSm9DdWVhVWtYa2NwckpOSU5IdVo5ZEJnSDAxaVU?oc=5) · Williamson Scene
- 2026-07-14 [Amy J. Scicchitano Obituary (2026) - Camillus, NY - B.L. Bush & Sons Funeral Home - Camillus - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxPSElJYVFaWF9reGhuUGhwUENBcTM5bGhoLVk5b2RjZ0wzZV9HdGJmM3JoLXRMdkI5VlIzbjNVMURLZGRLcjFPREJIbXJaUzlKV2Q4YlctME13blNSV19oOXA3dTBzVk1PSlQxZ2pfWUkxSVRzSTZvWklWbU8yMVZjV3NSUTk?oc=5) · legacy.com
- 2022-06-29 [As credit unions consolidate, so do their trade groups - americanbanker.com](https://news.google.com/rss/articles/CBMipAFBVV95cUxNRnNMcXhoVWlLOUlZbW1ENlVxNnl2X0g3TURyVHNVZEZudnNRNXFLc0prR3Jpb0pPT0syX0NzSUZpc0lvQjFWbWRoRERpMnFOanlYZDNDMklsdTc3eThGcTlkRV9hV0YxNGlEZTBSUzI4MDVjSVVONko1c2trQ0dFdUp2VjlZbTB4ZDZhN0lVNHZoQWRneC14SUxwZnZycjBHU2dHaQ?oc=5) · americanbanker.com
- 2015-11-05 [Numerica Credit Union remodels, adds branches - Spokane Journal of Business](https://news.google.com/rss/articles/CBMikwFBVV95cUxOYmp5U0sxZUExUlF6aW82VmFxeWdzSmt1bHBMbWVjZGl5ek9oaXM5RkVpLXNkOTJuN0VMekdKUzhZS3lrX3ZoYnNsNGJWa1Z1Nm1oMnJSMWhVYW5na0ZLVjFob1FrcTFaaFpMN0ZaUTVpNkpHNGxndkVxd1JKYmd3ZXU1andKUmNYaEtia19xVl8tZnc?oc=5) · Spokane Journal of Business
- 2016-11-11 [Police Seek To ID Alleged Bank Robber - News Channel 5 Nashville](https://news.google.com/rss/articles/CBMiigFBVV95cUxPckxwc28ya0taX2VtekZ2NWhnREotQTA0OVV1NU1aSkRoUkdLNHhacnFMaGt4UGpXZ1FzRlFfM0x3Rlh6YldMWDg1OWpaME9aM1FtQTQzZ0pldDRKVFpsNUhCT0lDRzgyaWttaUFEd2RHNWkwOWtVbUpHYzFnZjJ3ZldwdS1kOGxLMWc?oc=5) · News Channel 5 Nashville

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=97054 (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/30.json (key "97054", 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=97054
- 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