CORNERSTONE COMMUNITY Credit Union Profile

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CORNERSTONE COMMUNITY

Charter #11723 | NCUA Region 1 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (716) 434-2290

Fax: (716) 434-8297

Founding Date: N/A

Website: https://www.ccfcu.org

Personnel & Operations

President: Nemi, David

Manager: Hepkins, Eric

FT Employees: 155

PT Employees: 1

Designations & Ratios

MDI Status: No

RBC Ratio: 10.91%

Membership Type: 00

Branches: 6

Hours: 9:00 TO 5:00 MONDAY THROUGH THURSDAY 9:00

Credit Union Profile Summary

CORNERSTONE COMMUNITY is a FCU Credit Union. With a total of 43,384 members [1], this institution manages approximately $706,822,510 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 7.72% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 15.80% [1].

Financial Snapshot

Total Assets [1]
$706,822,510

Total economic resources.

Total Loans [1]
$473,830,092

Total value of outstanding loans.

Total Deposits [1]
$654,801,555

Total funds deposited by members.

Members [1]
43,384

Number of active members.

Performance Ratios

Net Worth Ratio [1]
7.72%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
0.09%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
72.36%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 11.74%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↑ 15.80%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↑ 0.55%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

6485 S TRANSIT RD

LOCKPORT, NY, 14094-6331
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 6 branches reported by CORNERSTONE COMMUNITY (Charter #11723).

Main Office

Transit Main Office

Type: Corporate Office

6485 S Transit Rd

Lockport, NY 14094-6331

Phone: (716) 434-2290

Services: Member Services, ATM, Drive-Thru

Open in Directions

Additional Branches

Getzville

Getzville

Type: Branch Office

315 Stahl Rd

Getzville, NY 14068

Phone: (716) 434-2290

Services: Member Services, Drive-Thru

Open in Directions

Lockport

Stevens Street

Type: Branch Office

55 Stevens St

Lockport, NY 14094-4229

Phone: (716) 434-2290

Services: Member Services, ATM, Drive-Thru

Open in Directions

Middleport

Middleport

Type: Branch Office

5 State St

Middleport, NY 14105-1105

Phone: (716) 434-2290

Services: Member Services, ATM, Drive-Thru

Open in Directions

Niagara Falls

Niagara Falls

Type: Branch Office

4225 Witmer Rd

Niagara Falls, NY 14305

Phone: (716) 434-2290

Services: Member Services, ATM, Drive-Thru

Open in Directions

North Tonawanda

NT

Type: Branch Office

107 Main St

North Tonawanda, NY 14120-5309

Phone: (716) 434-2290

Services: Member Services, ATM, Drive-Thru

Open in Directions