Overview / Commentary
MARION, NC 28752

Mcdowell Cornerstone Credit Union is headquartered in MARION and is the 48th largest credit union in the state of North Carolina. It is also the 3,046th largest credit union in the nation. It was established in 1967 and as of December of 2018, it had grown to 7 employees and 2,978 members at 1 location. Mcdowell Cornerstone Credit Union has a B health rating.

Field of Membership Restrictions

Membership is open to those who live or work in McDowell County in North Carolina.
See current membership details


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Mcdowell Cornerstone Credit Union has a low asset base.

Health Grade Components

NCUA #60149
Year Chartered1967
Primary Regulator
Profit Margin
Return on Assets - YTD0.84%
Return on Equity - YTD4.32%
Annual Interest Income$885.00K
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$26.2MM$26.7MM
LoansQ4 2018vs Q4 2017$11.3MM$12.3MM
DepositsQ4 2018vs Q4 2017$20.9MM$21.4MM
Equity CapitalQ4 2018vs Q4 2017$5.1MM$4.9MM
Loan Loss AllowanceQ4 2018vs Q4 2017$77.00K$80.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$220.00K$518.00K
Real Estate OwnedQ4 2018vs Q4 2017$15.00K$40.00K

Rates for Mcdowell Cornerstone Credit Union are currently being reviewed.


Mcdowell Cornerstone Credit Union Locations
Branch Office2031 RUTHERFORD RDMARION, NC 28752

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