CORNERSTONE
State-Chartered • Freeport, Illinois • Est. 1939
Quick Facts
- Charter Number
- #60189
- Type
- State-Chartered
- Established
- 1939
- Headquarters
- Freeport, Illinois 61032-7610
- Address
- 550 W Meadows Dr
- Branches
- 3
- ATMs
- 3
- Members
- 12,235
- Membership Type
- Community
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
12,235 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | CORNERSTONE |
|---|---|
| Total Assets | $168.8M |
| Members | 12,235 |
| Loans Outstanding | $100.8M |
| Shares & Deposits | $150.6M |
| Net Worth | $16.4M |
| Net Worth Ratio | 9.71% |
| Loan-to-Share Ratio | 66.9% |
| Delinquency Rate | 1.76% |
| Net Income | +$1,422,045 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
3 locations · 3 ATMs
Cornerstone Credit Union
Main Office550 W Meadows Dr
Freeport, IL 61032-7610
Cornerstone Credit Union
615 W 3rd St
Sterling, IL 61081
Cornerstone Credit Union
640 Blackhawk Blvd
South Beloit, IL 61080
Who Can Join CORNERSTONE?
Membership Type: Community
Membership eligibility for CORNERSTONE may vary. Contact the credit union directly to confirm qualification requirements.
Contact CORNERSTONE directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Illinois RankingsFrequently Asked Questions
Yes. CORNERSTONE 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 has 12,235 members and a potential membership field of 735,400 people.
CORNERSTONE's net worth ratio is 9.71% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 9.7%, CORNERSTONE meets this threshold.
CORNERSTONE operates 3 branch locations and has access to 3 ATMs. The main office is located at 550 W Meadows Dr, Freeport, IL 61032-7610.
CORNERSTONE was established in 1939. It is a state-chartered credit union chartered under charter number 60189. The institution has been serving members for 87 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. All financial data is for informational purposes only.