CORNERSTONE Credit Union Profile

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CORNERSTONE

Charter #60189 | NCUA Region 3 | FISCU

Low-Income Designation: No

Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (815) 235-5855

Fax: (815) 235-5970

Founding Date: N/A

Website: http://www.cornerstonecu.org

Personnel & Operations

President: Beyer, Charles

Manager: Clore, Gail

FT Employees: 39

PT Employees: 1

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 3

Hours: M, Tu, Th, F, 9AM - 5PM (Lobby & Drive Up)

Credit Union Profile Summary

CORNERSTONE is a FISCU Credit Union. With a total of 11,990 members ^[1], this institution manages approximately $168,283,016 in total assets ^[1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 9.56% ^[1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 3.47% ^[1].

Financial Snapshot

Total Assets ^[1]

$168,283,016

Total economic resources.

Total Loans ^[1]

$98,547,866

Total value of outstanding loans.

Total Deposits ^[1]

$150,741,989

Total funds deposited by members.

Members ^[1]

11,990

Number of active members.

Performance Ratios

Net Worth Ratio ^[1]

9.56%

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]

0.72%

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

Loan-to-Share Ratio ^[1]

65.38%

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

Four-Quarter Growth

Asset Growth (4Q) ^[1]

↑ 10.02%

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

Loan Growth (4Q) ^[1]

↑ 3.47%

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

Member Growth (4Q) ^[1]

↑ 27.24%

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

Headquarters Location & Map

Headquarters Address

550 W Meadows Dr

Freeport, IL, 61032-7610

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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

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Branch Locations

Found 4 branches reported by CORNERSTONE (Charter #60189).

Main Office

Cornerstone Credit Union Main Office

Type: Corporate Office

550 W Meadows Dr

Freeport, IL 61032-7610

Phone: (815) 235-5855

Services: Member Services, ATM, Drive-Thru

Open in Directions

Additional Branches

Milledgeville