Cornerstone Community Financial Credit Union

Cornerstone Community Financial Credit Union is headquartered in Auburn Hills and is the 52^nd largest credit union in the state of Michigan. It is also the 888^th largest credit union in the nation. It was established in 1951 and as of December of 2011, it had grown to 41 employees and 20,229 members. Cornerstone Community Financial Credit Union has a 4-star health rating.

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Data for Q4 2011

Institution Statistics CORNERSTONE COMMUNITY FINANCIAL NCUA # 7280 BankRate Report View Year Chartered 1951 Employees 41 Primary Regulator Assets and Liabilities Assets $191.59 million Loans $153.06 million Deposits $171.28 million Equity Capital $18.64 million Loan Loss Allowance $3.14 million Unbacked Noncurrent Loans $2.77 million Real Estate Owned $438,000 Historic Data - December 2010 Assets $193.28 million Equity Capital $18.14 million Loan Loss Allowance $2.76 million Unbacked Noncurrent Loans $2.44 million Real Estate Owned $745,000 Profit Margin - Quarterly Net Interest Margin 4.8% Return on Assets 0.31% Return on Equity 3.14% Interest Income $8.77 million Non-Interest Income $2.86 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 Financial Credit Union had $3.21 million in non-current loans and owned real-estate with $21.78 million in equity and loan loss allowances on hand to cover it. This gives Cornerstone Community Financial Credit Union a Texas Ratio of 14.74% 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 Financial Credit Union held steady from 15.25% as of December 31, 2010 to 14.74% as of December 31, 2011, resulting in a positive change of 3.35%.This indicates that the balance sheet and financial strength for Cornerstone Community Financial Credit Union has held steady in recent periods. Deposit Growth In the past year, Cornerstone Community Financial Credit Union has decreased its total deposits by -$2.78 million, resulting in -1.59% 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 Financial Credit Union has shown is below 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 Financial Credit Union has $191.59 million in assets with $21.78 million in equity, resulting in a capitalization level of 11.37%, which is above average.

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