Charter 60189 · Freeport, IL
Cornerstone Credit Union
Cornerstone Credit Union is a state-chartered credit union in Freeport, Illinois, with $177 million in assets and 12,452 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 9.97%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $177 million
- +4.9% in a year
- Members
- 12,452
- +3.9% in a year
- Net worth ratio
- 9.97%
- Peer median 11.65%
- Loans 60+ days late
- 1.50%
- Peer median 0.70%
- Loans outstanding
- $106 million
- +7.2% in a year
- Shares and deposits
- $157 million
- +4.3% in a year
- Branches
- 3
- 36 employees
- Opened
- 1939
- Illinois charter
How Cornerstone Credit Union compares
NCUA groups credit unions by size; Cornerstone Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 9.97% is lower than that group's median of 11.65%, and its share of loans 60 or more days past due, 1.50%, is higher than the group median of 0.70%. Loans grew 7.2% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 43 of 188 credit unions headquartered in Illinois. See all Illinois credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $177 million | 12,452 | $106 million | 9.97% | 1.50% |
| Q1 2026 | $178 million | 12,352 | $101 million | 9.56% | 1.28% |
| Q4 2025 | $169 million | 12,235 | $101 million | 9.71% | 1.76% |
| Q3 2025 | $164 million | 12,137 | $100 million | 9.88% | 1.40% |
| Q2 2025 | $168 million | 11,990 | $98.5 million | 9.56% | 1.82% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 742,114 potential members.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 3 sites for Cornerstone Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Cornerstone Credit Union (main office)
550 W Meadows Dr, Freeport, IL 61032 - Cornerstone Credit Union
615 W 3Rd St, Sterling, IL 61081 - Cornerstone Credit Union
640 Blackhawk Blvd, South Beloit, IL 61080
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology