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130 Historic Town Square
Lancaster, TX 75146

Corner Stone Credit Union is headquartered in lancaster and is the 269th largest credit union in the state of Texas. It is also the 3,558th largest credit union in the nation. It was established in 1952 and as of March of 2014, it had grown to 14 employees and 5,209 members. Corner Stone Credit Union's money market rates are 70% higher than the national average, and it has a C+ health rating.

Field of Membership Restrictions

Must live or work in the cities of DeSoto (East of Hampton Rd), Red Oak, Glenn Heights or Lancaster. Also open to employees of several Select Employee Groups (SEGs). - See Details

Reviews (1)


Great people and even better return on investments. I am a 23 year old Consultant for a larger financial institution and would not trust my monies any where else!


Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Corner Stone Credit Union has a low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Corner Stone Credit Union had $66,000 in non-current loans and owned real-estate with $2.11 million in equity and loan loss allowances on hand to cover it. This gives Corner Stone Credit Union a Texas Ratio of 3.13% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Corner Stone Credit Union decreased dramatically from 4.85% as of March 31, 2013 to 3.13% as of March 31, 2014, resulting in a positive change of 35.44%.This indicates that the balance sheet and financial strength for Corner Stone Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, Corner Stone Credit Union has decreased its total deposits by -$1.73 million, resulting in -8.87% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Corner Stone Credit Union has shown is below average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Corner Stone Credit Union has $19.92 million in assets with $2.11 million in equity, resulting in a capitalization level of 10.58%, which is above average.

Institution Statistics

NCUA #68011
Year Chartered1952
Primary Regulator
Assets and Liabilities
Assets$19.92 million
Loans$13.57 million
Deposits$17.74 million
Equity Capital$1.87 million
Loan Loss Allowance$241,000
Unbacked Noncurrent Loans$66,000
Real Estate Owned$0
Historic Data - March 2013
Assets$21.53 million
Equity Capital$1.80 million
Loan Loss Allowance$261,000
Unbacked Noncurrent Loans$66,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets0.38%
Return on Equity4.07%
Interest Income$269,000

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Corner Stone Credit Union Savings Account Rates

0.15%$100-IRA Savings Account
0.15%$100-Platinum Savings Account
0.10%$100-Regular Share Account
0.10%$25-Kids Account
0.10%$100-Christmas Club Account
0.10%$100-Vacation Club Account

Corner Stone Credit Union Money Market Rates

0.75%$50k-IRA Money Market Account
0.30%$50k-Money Market Account

Corner Stone Credit Union Checking Account Rates

0.02%$1k-Super Share Draft Account

Corner Stone Credit Union CD Rates

1.00%$50k-5 Year Certificate
0.75%$50k-2 Year Certificate
0.75%$50k-3 Year Certificate
0.40%$50k-1 Year Certificate
0.35%$50k-180 Day Certificate

Corner Stone Credit Union IRA Rates

1.00%$50k-5 Year IRA Certificate
0.75%$50k-2 Year IRA Certificate
0.75%$50k-3 Year IRA Certificate
0.40%$50k-1 Year IRA Certificate
0.35%$50k-180 Day IRA Certificate

Corner Stone Credit Union Locations
Branch Office130 historic town sqlancaster, TX 75146
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