Cornerstone
Cornerstone is a credit union based in Freeport, Illinois, established in 1939, with $178 million in total assets serving 12,352 members. By Trust Grade it ranks 124th of 188 credit unions we track in Illinois. Its net worth ratio of 9.6% trails most similarly sized credit unions (23th percentile), versus a Illinois median of 13.7%. It was profitable over the most recent period, with a 1.39% return on assets. No consumer complaints against Cornerstone appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Cornerstone compares to Illinois peers
How we graded Cornerstone
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (9.6% capital ratio)
- Strongly profitable (ROA 1.39%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Cornerstone over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Cornerstone insured?
Yes. Cornerstone is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Cornerstone: frequently asked questions
Is Cornerstone a good credit union?
Cornerstone earns a Bankzia Trust Grade of B (89/100, "Strong"), based on a financial-strength score of 89/100 (it has no CFPB complaints on record). Well-capitalized (9.6% capital ratio); Strongly profitable (ROA 1.39%).
Is Cornerstone NCUA-insured?
Yes. Cornerstone is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Cornerstone?
Cornerstone holds $178 million in total assets, ranking 124th of 188 credit unions we track in Illinois. It serves 12,352 members.
Does Cornerstone have CFPB complaints?
No CFPB complaints against Cornerstone appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
