TellerScore

Headquartered in Marion, North Carolina, McDowell Cornerstone Credit Union is a federally insured state-chartered credit union with $38.3M in total assets and $30.9M in member shares and deposits as of Q2 2026. Its charter dates back to 1967.

Based on its Q2 2026 filing, McDowell Cornerstone Credit Union scores 70/100, which we describe as strong. That is higher than only 40% of 2,479 credit unions with under $100 million in assets. Among 57 credit unions headquartered in North Carolina, it ranks 30th. Its strongest component is capital cushion (100/100; 17.72%), and its lowest is loan quality (16/100; 2.53%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 17.72%
Loan quality16/100
Loans 60+ days delinquent ÷ total loans: 2.53%
Earnings72/100
Return on assets (annualized): 1.31%
Funding & liquidity88/100
Loans ÷ shares: 72.6% · 4.7% uninsured
Problem-loan coverage83/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 8.60%

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 20 points (90 → 70), mostly because the loan quality component weakened by 70 points.

TellerScore
708090Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202484
Q3 202484
Q4 202483
Q1 202588
Q2 202590
Q3 202588
Q4 202584
Q1 202684
Q2 202670
Net worth ratio
7.00%12.46%17.91%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202416.88%
Q3 202416.93%
Q4 202416.90%
Q1 202516.77%
Q2 202517.27%
Q3 202517.67%
Q4 202517.42%
Q1 202617.91%
Q2 202617.72%
Delinquent loans (60+ days)
0.22%1.38%2.53%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.94%
Q3 20240.70%
Q4 20240.88%
Q1 20250.22%
Q2 20250.43%
Q3 20250.75%
Q4 20250.84%
Q1 20260.88%
Q2 20262.53%
Return on assets
1.05%1.35%1.64%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.25%
Q3 20241.07%
Q4 20241.18%
Q1 20251.05%
Q2 20251.54%
Q3 20251.64%
Q4 20251.20%
Q1 20261.30%
Q2 20261.31%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$38.3M17.72%2.53%1.31%72.6%
Q1 202684$37.2M17.91%0.88%1.30%73.8%
Q4 202584$37.5M17.42%0.84%1.20%74.3%
Q3 202588$37.2M17.67%0.75%1.64%76.7%
Q2 202590$37.0M17.27%0.43%1.54%77.5%
Q1 202588$37.0M16.77%0.22%1.05%78.2%
Q4 202483$36.2M16.90%0.88%1.18%77.0%
Q3 202484$35.4M16.93%0.70%1.07%77.7%
Q2 202484$35.1M16.88%0.94%1.25%71.5%

2,479 peers · Under $100 million in assets

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 ratio17.72%
68th
Problem loans2.53%
16th
Net charge-offs0.46%
29th
Return on assets1.31%
79th
Loans to deposits72.6%
29th
Uninsured deposits4.7%
23rd
Loan-loss reserves0.00%
37th
Texas ratio8.6%
16th

Similar-size credit unions in North Carolina

InstitutionScoreAssetsCapitalProblem loansCompare
Shuford Federal Credit UnionCredit union Hickory, NC75 out of 100, Strong$36.1M13.7%0.89%vs
Oteen V. A. Federal Credit UnionCredit union Asheville, NC91 out of 100, Very strong$34.3M13.0%0.15%vs
First Carolina People'S Credit UnionCredit union Goldsboro, NC21 out of 100, Low$33.3M8.6%5.79%vs
Cs Credit UnionCredit union Catawba, NC84 out of 100, Strong$30.5M18.7%0.46%vs
Carolina CooperativeCredit union Charlotte, NC64 out of 100, Moderate$46.3M14.2%1.73%vs
Blue Flame Credit UnionCredit union Charlotte, NC62 out of 100, Moderate$30.3M11.0%0.19%vs

Deposit insurance

Is my money safe at McDowell Cornerstone Credit Union?

Yes. McDowell Cornerstone Credit Union is a federally insured credit union (NCUA charter #60149). 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 4.7% of shares and deposits ($1.4M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 17.72%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
McDowell Cornerstone Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
60149
RSSD ID
374895
Primary regulator
State + NCUA
Established
1967
Headquarters
Po Box 519, Marion, NC 28752
Employees
7

Quick answers

McDowell Cornerstone Credit Union: common questions

Is McDowell Cornerstone Credit Union NCUA insured?

Yes. McDowell Cornerstone Credit Union is a federally insured credit union (NCUA charter #60149). 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 McDowell Cornerstone Credit Union's TellerScore?

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