Cornerstone CU (PA)

Cornerstone CU (PA) is headquartered in CARLISLE and is the 60^th largest credit union in the state of Pennsylvania. It is also the 1,534^th largest credit union in the nation. It was established in 1974 and as of December of 2011, it had grown to 24 employees and 9,614 members. Cornerstone CU (PA) has a 5-star health rating.

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Data for Q4 2011

Institution Statistics CORNERSTONE NCUA # 21789 BankRate Report View Year Chartered 1974 Employees 24 Primary Regulator Assets and Liabilities Assets $87.67 million Loans $52.99 million Deposits $78.38 million Equity Capital $9.05 million Loan Loss Allowance $193,000 Unbacked Noncurrent Loans $483,000 Historic Data - December 2010 Assets $84.16 million Equity Capital $8.67 million Loan Loss Allowance $185,000 Unbacked Noncurrent Loans $196,000 Profit Margin - Quarterly Net Interest Margin 4.66% Return on Assets 0.43% Return on Equity 4.16% Interest Income $3.20 million Non-Interest Income $744,000

Institution Health Overall Score: 5 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 CU (PA) had $483,000 in non-current loans and owned real-estate with $9.24 million in equity and loan loss allowances on hand to cover it. This gives Cornerstone CU (PA) a Texas Ratio of 5.23% 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 (PA) held steady from 2.21% as of December 31, 2010 to 5.23% as of December 31, 2011, resulting in a negative change of 136.19%. This indicates that the balance sheet and financial strength for Cornerstone CU (PA) has held steady in recent periods. Deposit Growth In the past year, Cornerstone CU (PA) has increased its total deposits by $3.17 million, resulting in 4.22% 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 (PA) 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 CU (PA) has $87.67 million in assets with $9.24 million in equity, resulting in a capitalization level of 10.54%, which is above average.

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