TellerScore

Cornerstone Credit Union is a federally insured state-chartered credit union headquartered in Freeport, Illinois, in business for about 87 years. At the end of Q2 2026 it reported $176.6M in total assets and $157.2M in member shares and deposits, with 2 offices.

Based on its Q2 2026 filing, Cornerstone Credit Union scores 64/100, which we describe as moderate. That is higher than only 31% of 1,341 credit unions with $100 million – $1 billion. Among 188 credit unions headquartered in Illinois, it ranks 141st. Its strongest component is funding & liquidity (93/100; 67% loans-to-deposits, 5% uninsured), and its lowest is loan quality (50/100; 1.50%).

TellerScore · Q2 2026

Scorecard

Capital cushion50/100
Net worth ratio: 9.97%
Loan quality50/100
Loans 60+ days delinquent ÷ total loans: 1.50%
Earnings74/100
Return on assets (annualized): 1.36%
Funding & liquidity93/100
Loans ÷ shares: 67.2% · 5.3% uninsured
Problem-loan coverage82/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 8.99%

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 rose 9 points (55 → 64), mostly because the earnings component improved by 26 points.

TellerScore
556269Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202467
Q4 202466
Q1 202565
Q2 202555
Q3 202559
Q4 202555
Q1 202666
Q2 202664
Net worth ratio
7.00%8.49%9.98%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.98%
Q3 20249.98%
Q4 20249.47%
Q1 20259.05%
Q2 20259.56%
Q3 20259.88%
Q4 20259.71%
Q1 20269.56%
Q2 20269.97%
Delinquent loans (60+ days)
0.29%1.06%1.82%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.35%
Q3 20240.45%
Q4 20240.51%
Q1 20250.29%
Q2 20251.82%
Q3 20251.40%
Q4 20251.76%
Q1 20261.28%
Q2 20261.50%
Return on assets
0.22%0.81%1.39%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.59%
Q3 20240.47%
Q4 20240.47%
Q1 20250.22%
Q2 20250.71%
Q3 20250.62%
Q4 20250.59%
Q1 20261.39%
Q2 20261.36%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202664$176.6M9.97%1.50%1.36%67.2%
Q1 202666$178.0M9.56%1.28%1.39%63.8%
Q4 202555$168.8M9.71%1.76%0.59%66.9%
Q3 202559$164.5M9.88%1.40%0.62%68.5%
Q2 202555$168.3M9.56%1.82%0.71%65.4%
Q1 202565$172.3M9.05%0.29%0.22%62.3%
Q4 202466$163.6M9.47%0.51%0.47%64.9%
Q3 202467$154.0M9.98%0.45%0.47%69.7%
Q2 202469$153.0M9.98%0.35%0.59%70.2%

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 ratio9.97%
28th
Problem loans1.50%
13th
Net charge-offs0.17%
75th
Return on assets1.36%
84th
Loans to deposits67.2%
67th
Uninsured deposits5.3%
56th
Loan-loss reserves0.00%
50th
Texas ratio9.0%
16th

Similar-size credit unions in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Rock Valley Credit UnionCredit union Loves Park, IL63 out of 100, Moderate$174.4M11.5%0.69%vs
Vicinity Credit UnionCredit union Chicago, IL53 out of 100, Below average$203.9M8.2%0.92%vs
Cooperative Choice NetworkCredit union Peoria, IL76 out of 100, Strong$205.9M12.7%0.37%vs
United Community Credit UnionCredit union Quincy, IL84 out of 100, Strong$134.1M15.4%0.40%vs
Gas and Electric Credit UnionCredit union Rock Island, IL72 out of 100, Strong$132.1M10.3%0.38%vs
Catholic & Community Credit UnionCredit union Shiloh, IL74 out of 100, Strong$222.7M10.2%0.13%vs

Deposit insurance

Is my money safe at Cornerstone Credit Union?

Yes. Cornerstone Credit Union is a federally insured credit union (NCUA charter #60189). 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 5.3% of shares and deposits ($8.3M) 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 9.97%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Cornerstone Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Cornerstone Credit Union reported 140 home-loan applications under HMDA (LEI 549300COR6KN4QP42U93): 67 originated ($4,465,000 total), 53 denied, and 20 withdrawn or closed by the applicant. Its denial rate on decided applications was 44.2%, 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 Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
60189
RSSD ID
306690
Primary regulator
State + NCUA
Established
1939
Headquarters
550 W Meadows Dr, Freeport, IL 61032
Employees
36

Quick answers

Cornerstone Credit Union: common questions

Is Cornerstone Credit Union NCUA insured?

Yes. Cornerstone Credit Union is a federally insured credit union (NCUA charter #60189). 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 Credit Union's TellerScore?

64 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 Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Freeport

InstitutionScoreAssetsCapitalProblem loansCompare
Farmers National BankBank Prophetstown, IL88 out of 100, Very strong$895.7M15.0%0.23%vs
Exchange State BankBank Lanark, IL83 out of 100, Strong$112.7M11.5%0.05%vs
Blackhawk Area Credit UnionCredit union Savanna, IL79 out of 100, Strong$39.1M13.4%0.13%vs
Community BankBank Winslow, IL75 out of 100, Strong$310.8M16.0%1.50%vs
Apple River State BankBank Apple River, IL74 out of 100, Strong$675.2M9.7%0.24%vs
Holcomb BankBank Rochelle, IL72 out of 100, Strong$304.8M8.8%0.03%vs