CORNERSTONE COMMUNITY
Federal • LOCKPORT, New York • Est. 1957
Quick Facts
- Charter Number
- #11723
- Type
- Federal
- Established
- 1957
- Headquarters
- LOCKPORT, New York 14095-0830
- Address
- PO BOX 830
- Branches
- 6
- ATMs
- 5
- Members
- 44,033
- Membership Type
- Other/Unknown
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Above-average financial health. Net worth is strong and key ratios are within normal ranges, with minor areas to monitor.
Financial Overview
Total Assets
Members
44,033 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | CORNERSTONE COMMUNITY |
|---|---|
| Total Assets | $713.4M |
| Members | 44,033 |
| Loans Outstanding | $482.2M |
| Shares & Deposits | $657.4M |
| Net Worth | $53.5M |
| Net Worth Ratio | 7.58% |
| Loan-to-Share Ratio | 73.4% |
| Delinquency Rate | 1.63% |
| Net Income | +$4,260,827 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
6 locations · 5 ATMs
Middleport
5 State St
Middleport, NY 14105-1105
NT
107 Main St
North Tonawanda, NY 14120-5309
Transit
Main Office6485 S Transit Rd
Lockport, NY 14094-6331
Niagara Falls
4225 Witmer Rd
Niagara Falls, NY 14305
Lockport
5810 S Transit Rd
Lockport, NY 14094
Who Can Join CORNERSTONE COMMUNITY?
Membership Type: Other/Unknown
Membership eligibility for CORNERSTONE COMMUNITY may vary. Contact the credit union directly to confirm qualification requirements.
Contact CORNERSTONE COMMUNITY directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View New York RankingsFrequently Asked Questions
Yes. CORNERSTONE COMMUNITY is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, CORNERSTONE COMMUNITY has 44,033 members and a potential membership field of 1,149,043 people.
CORNERSTONE COMMUNITY's net worth ratio is 7.58% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 7.6%, CORNERSTONE COMMUNITY meets this threshold.
CORNERSTONE COMMUNITY operates 6 branch locations and has access to 5 ATMs. The main office is located at 6485 S Transit Rd, Lockport, NY 14094-6331.
CORNERSTONE COMMUNITY was established in 1957. It is a federal credit union chartered under charter number 11723. The institution has been serving members for 69 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or CORNERSTONE COMMUNITY. All financial data is for informational purposes only.