TellerScore

Cornerstone Community Financial Credit Union (NCUA charter #68641) is based in Auburn Hills, Michigan. Its Q2 2026 call report shows $470.1M in total assets and $361.8M in member shares and deposits and 3 offices across 2 states.

Cornerstone Community Financial Credit Union has a TellerScore of 62 out of 100 (moderate) based on Q2 2026 data — higher than only 26% of its 1,341 credit unions with $100 million – $1 billion. Among 169 credit unions headquartered in Michigan, it ranks 147th. Problem-loan coverage contributes the most (82/100, 8.8%); earnings contributes the least (46/100, 0.66%).

TellerScore · Q2 2026

Scorecard

Capital cushion71/100
Net worth ratio: 12.05%
Loan quality61/100
Loans 60+ days delinquent ÷ total loans: 1.18%
Earnings46/100
Return on assets (annualized): 0.66%
Funding & liquidity56/100
Loans ÷ shares: 104.3% · 5.7% uninsured
Problem-loan coverage82/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 8.78%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 8 points (70 → 62), mostly because the loan quality component weakened by 17 points.

TellerScore
626670Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202468
Q4 202466
Q1 202568
Q2 202570
Q3 202568
Q4 202568
Q1 202663
Q2 202662
Net worth ratio
7.00%9.99%12.98%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.44%
Q3 202412.76%
Q4 202412.41%
Q1 202512.41%
Q2 202512.98%
Q3 202512.81%
Q4 202512.95%
Q1 202611.66%
Q2 202612.05%
Delinquent loans (60+ days)
0.58%0.88%1.18%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.58%
Q3 20240.69%
Q4 20240.70%
Q1 20250.61%
Q2 20250.67%
Q3 20250.85%
Q4 20251.05%
Q1 20261.07%
Q2 20261.18%
Return on assets
0.54%0.69%0.85%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.75%
Q3 20240.61%
Q4 20240.54%
Q1 20250.67%
Q2 20250.69%
Q3 20250.85%
Q4 20250.83%
Q1 20260.68%
Q2 20260.66%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202662$470.1M12.05%1.18%0.66%104.3%
Q1 202663$479.6M11.66%1.07%0.68%99.9%
Q4 202568$467.2M12.95%1.05%0.83%104.1%
Q3 202568$445.0M12.81%0.85%0.85%113.3%
Q2 202570$442.6M12.98%0.67%0.69%110.7%
Q1 202568$437.7M12.41%0.61%0.67%110.4%
Q4 202466$425.0M12.41%0.70%0.54%111.8%
Q3 202468$410.6M12.76%0.69%0.61%113.4%
Q2 202470$416.7M12.44%0.58%0.75%104.5%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.05%
58th
Problem loans1.18%
22nd
Net charge-offs0.87%
13th
Return on assets0.66%
43rd
Loans to deposits104.3%
2nd
Uninsured deposits5.7%
52nd
Loan-loss reserves0.00%
50th
Texas ratio8.8%
17th

Similar-size credit unions in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
Public Service Credit UnionCredit union Romulus, MI69 out of 100, Moderate$467.6M11.6%1.03%vs
Jolt Credit UnionCredit union Saginaw, MI69 out of 100, Moderate$483.8M10.3%0.43%vs
Wmcu Credit UnionCredit union Grand Rapids, MI84 out of 100, Strong$455.3M17.3%0.92%vs
Loc Credit UnionCredit union Farmington, MI74 out of 100, Strong$485.0M10.2%0.36%vs
People Driven Credit UnionCredit union Southfield, MI65 out of 100, Moderate$520.0M10.1%0.57%vs
Monroe Community Credit UnionCredit union Monroe, MI80 out of 100, Strong$406.4M11.4%0.20%vs

Deposit insurance

Is my money safe at Cornerstone Community Financial Credit Union?

Yes. Cornerstone Community Financial Credit Union is a federally insured credit union (NCUA charter #68641). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 5.7% of shares and deposits ($20.5M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 12.05%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Cornerstone Community Financial Credit Union lists 3 offices in 3 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Cornerstone Community Financial Credit Union reported 262 home-loan applications under HMDA (LEI 549300QGO7S838JDBC47): 147 originated ($11,185,000 total), 72 denied, and 32 withdrawn or closed by the applicant. Its denial rate on decided applications was 31.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Cornerstone Community Financial Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68641
RSSD ID
271088
Primary regulator
State + NCUA
Established
1951
Headquarters
2955 University Dr, Auburn Hills, MI 48326
Employees
105

Quick answers

Cornerstone Community Financial Credit Union: common questions

Is Cornerstone Community Financial Credit Union NCUA insured?

Yes. Cornerstone Community Financial Credit Union is a federally insured credit union (NCUA charter #68641). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Cornerstone Community Financial Credit Union's TellerScore?

62 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Cornerstone Community Financial Credit Union have?

3 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Auburn Hills

InstitutionScoreAssetsCapitalProblem loansCompare
The Local Credit UnionCredit union Sterling Height, MI92 out of 100, Very strong$106.6M16.1%0.26%vs
Sovita Credit UnionCredit union Flint, MI90 out of 100, Very strong$592.0M16.1%0.31%vs
Jessop Community Federal Credit UnionCredit union Washington, PA87 out of 100, Very strong$34.1M13.8%0.38%vs
Cha-Tel Federal Credit UnionCredit union Charleston, WV86 out of 100, Very strong$11.5M13.6%0.04%vs
Zeal Credit UnionCredit union Livonia, MI83 out of 100, Strong$1.1B19.8%1.50%vs
Ukrainian Selfreliance Michigan Federal Credit UnionCredit union Warren, MI83 out of 100, Strong$140.0M13.5%0.39%vs