Cornerstone Community Credit Union

Cornerstone Community Credit Union is headquartered in Lockport and is the 35^th largest credit union in the state of New York. It is also the 637^th largest credit union in the nation. It was established in 1957 and as of December of 2011, it had grown to 96 employees and 44,985 members. Cornerstone Community Credit Union's savings rates are 3X the national average, and it has a 4-star health rating.

Cornerstone Community Credit Union Checking Account Rates

Cornerstone Community Credit Union Savings Account Rates

Cornerstone Community Credit Union Money Market Rates

Cornerstone Community Credit Union CD Rates

Data for Q4 2011

Institution Statistics CORNERSTONE COMMUNITY NCUA # 11723 BankRate Report View Year Chartered 1957 Employees 96 Primary Regulator Assets and Liabilities Assets $297.68 million Loans $181.53 million Deposits $270.25 million Equity Capital $25.16 million Loan Loss Allowance $2.13 million Unbacked Noncurrent Loans $2.73 million Historic Data - December 2010 Assets $291.61 million Equity Capital $23.67 million Loan Loss Allowance $2.40 million Unbacked Noncurrent Loans $4.58 million Profit Margin - Quarterly Net Interest Margin 5.82% Return on Assets 0.43% Return on Equity 5.04% Interest Income $13.11 million Non-Interest Income $4.02 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Cornerstone Community Credit Union had $2.73 million in non-current loans and owned real-estate with $27.29 million in equity and loan loss allowances on hand to cover it. This gives Cornerstone Community Credit Union a Texas Ratio of 10.01% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Cornerstone Community Credit Union decreased significantly from 17.57% as of December 31, 2010 to 10.01% as of December 31, 2011, resulting in a positive change of 43.01%.This indicates that the balance sheet and financial strength for Cornerstone Community Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Cornerstone Community Credit Union has increased its total deposits by $4.05 million, resulting in 1.52% 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 Cornerstone Community Credit Union has shown is above average. Capitalization 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. Cornerstone Community Credit Union has $297.68 million in assets with $27.29 million in equity, resulting in a capitalization level of 9.17%, which is average.

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