Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
Not Federally Insured
P.O. Box 158
Caldwell, ID 83606

Cornerstone CU (ID) is headquartered in Caldwell and is the 29th largest credit union in the state of Idaho. It is also the 3,640th largest credit union in the nation. It was established in 1955 and as of March of 2014, it had grown to 10 employees and 4,814 members. Cornerstone CU (ID) has a B health rating.

Field of Membership Restrictions

Membership is open to medical and health professionals who live or work in the counties of Ada and Canyon, Idaho; employees and retirees of Intermountain Gas Company; persons who live, work or worship in the 83714 zip code. Family members are also welcome. Contact Us if you would like more information. - See Details

No reviews have been left for this bank yet. Be the first to review.


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. Cornerstone CU (ID) 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 Cornerstone CU (ID) had $91,000 in non-current loans and owned real-estate with $1.19 million in equity and loan loss allowances on hand to cover it. This gives Cornerstone CU (ID) a Texas Ratio of 7.67% 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 Cornerstone CU (ID) decreased dramatically from 11.18% as of March 31, 2013 to 7.67% as of March 31, 2014, resulting in a positive change of 31.36%.This indicates that the balance sheet and financial strength for Cornerstone CU (ID) has improved dramatically in recent periods.

Deposit Growth


In the past year, Cornerstone CU (ID) has increased its total deposits by $188,000, resulting in 1.07% 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 CU (ID) has shown is above 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. Cornerstone CU (ID) has $18.89 million in assets with $1.19 million in equity, resulting in a capitalization level of 6.28%, which is below average.

Institution Statistics

NCUA #97054
Year Chartered1955
Primary Regulator
Assets and Liabilities
Assets$18.89 million
Loans$9.90 million
Deposits$17.72 million
Equity Capital$1.10 million
Loan Loss Allowance$87,000
Unbacked Noncurrent Loans$91,000
Real Estate Owned$0
Historic Data - March 2013
Assets$18.91 million
Equity Capital$1.14 million
Loan Loss Allowance$173,000
Unbacked Noncurrent Loans$91,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.46%
Return on Assets-0.38%
Return on Equity-6.55%
Interest Income$157,000
Skip to rates for:

Always verify rates and promotions with the bank or credit union. We are not Cornerstone CU (ID), we are a rate comparison website and can not provide official rates or promotions.

Cornerstone CU (ID) Savings Account Rates

0.05%--Youth Share Account
0.05%$500-Share Account
0.05%$500-Special Account
0.05%$500-Holiday Account

Cornerstone CU (ID) Money Market Rates

0.05%$10k-Money Market Accounts

Cornerstone CU (ID) Locations
Branch Office404 Holly StNampa, ID 83686-5108
Branch Office416 S Kimball AveCaldwell, ID 83605-4171