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Cornerstone League's Member Performance
How the 633 credit unions across Cornerstone League's footprint are performing — measured against every U.S. credit union, straight from the public NCUA Call Report.
Footprint: Arkansas, Kansas, Missouri, Oklahoma, Texas.
NCUA data through Q1 2026.
Cornerstone's 633 credit unions serve 15,030,400 members and hold $228.82B in combined assets. The median Cornerstone credit union earned a 0.58% return on average assets over the past year, compared with 0.66% for the median U.S. credit union. Median one-year membership growth among Cornerstone credit unions was -0.66%, compared with -0.55% nationally. Median one-year asset growth was 2.45%, compared with 2.78% nationally. So far this year, 4 Cornerstone credit unions have completed a merger. Figures are from the Q1 2026 NCUA Call Report.
Cornerstone at a glance
Cornerstone vs. the United States
System totals are the sum of every credit union in Cornerstone. The share column is Cornerstone's portion of the national figure.
| Measure | Cornerstone | United States | Cornerstone share |
|---|---|---|---|
| Credit unions | 633 | 4,335 | 14.6% |
| Members | 15,030,400 | 147,031,529 | 10.2% |
| Residents (population) | 47,690,650 | 340,110,988 | 14.0% |
| Total assets | $228.82B | $2,507.50B | 9.1% |
| Total loans | $159.19B | $1,744.86B | 9.1% |
| Total shares & deposits | $192.86B | $2,143.21B | 9.0% |
| Total net worth | $26.72B | $282.23B | 9.5% |
| Mergers year-to-date | 4 | 27 | — |
Membership reach. Cornerstone credit unions report about 32 memberships for every 100 residents, vs 43 nationally — a rough measure of how deeply credit unions reach the population. (This counts memberships, not unique people: one person can belong to more than one credit union, and large Cornerstone credit unions serve members in other states, so it overstates true in-state penetration.)
The median Cornerstone credit union
Ratios and growth describe the typical (median) credit union in each place — a robust, outlier-resistant figure — not a single giant institution. Each is computed with the same disclosed equations used across CUNinjas.
| Metric | Median Cornerstone CU | Median U.S. CU |
|---|---|---|
| Return on assets | 0.58% | 0.66% |
| Net worth ratio | 13.17% | 12.44% |
| Loan-to-share ratio | 70.56% | 67.86% |
| Delinquency ratio | 0.63% | 0.63% |
| Net charge-off ratio | 0.46% | 0.33% |
| Cost of funds | 1.07% | 1.05% |
| Member growth (1 yr) | -0.66% | -0.55% |
| Asset growth (1 yr) | 2.45% | 2.78% |
| Loan growth (1 yr) | -0.49% | 0.63% |
| Share growth (1 yr) | 1.61% | 2.36% |
| Net worth growth (1 yr) | 4.71% | 5.57% |
Trends over time
The median Cornerstone credit union (solid) vs. the median U.S. credit union (dashed), by year.
Return on assets 0.68% · 0.72%
— Cornerstone ‑‑ U.S.
Net worth ratio 13.26% · 12.46%
— Cornerstone ‑‑ U.S.
Loan-to-share ratio 73.46% · 69.70%
— Cornerstone ‑‑ U.S.
Delinquency ratio 0.73% · 0.72%
— Cornerstone ‑‑ U.S.
Asset growth (1 yr) 2.70% · 3.26%
— Cornerstone ‑‑ U.S.
Member growth (1 yr) -0.40% · -0.52%
— Cornerstone ‑‑ U.S.
Cornerstone leaderboards
Largest by assets
- 1 Randolph-Brooks Credit Union $19.19B
- 2 Security Service Credit Union $14.21B
- 3 American Airlines Credit Union $9.45B
- 4 Western Credit Union $8.98B
- 5 Tinker Credit Union $6.13B
- 6 Texas Dow Employees Credit Union $5.10B
- 7 First Community Credit Union $4.99B
- 8 Navy Army Credit Union $4.77B
- 9 Educational Employees Credit Union $4.76B
- 10 GECU $4.66B
Highest return on assets
- 1 BIG Spring Education Employees Credit Union 3.17%
- 2 Bvac Credit Union 2.51%
- 3 Baycel Credit Union 2.43%
- 4 Caprock Santa Fe Credit Union 2.42%
- 5 Fairfield Credit Union 2.33%
- 6 Winkler County Credit Union 2.30%
- 7 Educators Credit Union 2.28%
- 8 Neches Credit Union 2.22%
- 9 Scott and White Employees Credit Union 2.20%
- 10 Domino Credit Union 2.06%
Fastest-growing (organic)
- 1 River Region Credit Union 93.58%
- 2 Texas Plains Credit Union 71.14%
- 3 Oklahoma Educators Credit Union 52.24%
- 4 Skyward Credit Union 25.31%
- 5 Hurricane Creek Employees Credit Union 19.65%
- 6 Rolla Credit Union 18.01%
- 7 Municipal Employees CU of Oklahoma City Credit Union 15.26%
- 8 Freestone Credit Union 14.69%
- 9 Neches Credit Union 14.03%
- 10 Mobiloil Credit Union 13.74%
Leaderboards rank credit unions above $50M in assets on positive measures only (return on assets and organic asset growth, excluding merger-driven jumps); the largest board has no size floor.
Method. Compiled from public NCUA 5300 Call Report data (Q1 2026), covering federally insured credit unions headquartered in Cornerstone's footprint (AR, KS, MO, OK, TX) that filed for the quarter. System totals are exact sums; ratios and growth are the median credit union in each place, computed through the same disclosed equations used across CUNinjas (a credit union that branches across state lines is counted only in its home state). Cells for a group of fewer than three credit unions are withheld. Population figures are U.S. Census Bureau Vintage 2024 estimates. Not affiliated with the NCUA.