credit union · NCUA 60149 · NC
How big is MCDOWELL CORNERSTONE?
MCDOWELL CORNERSTONE (NC, NCUA charter 60149) reported total assets of $38.3M, 2,710 members and a net worth ratio of 17.72% in its Call Report for 2026Q2. That ranks 2639 of 4,299 federally insured credit unions by assets, 246 of 1,135 among credit unions with $10m-$50m in assets, 39 of 57 credit unions in north carolina.
What stands out
MCDOWELL CORNERSTONE (NC, NCUA charter 60149) reported total assets of $38.3M, 2,710 members and a net worth ratio of 17.72% in its Call Report for 2026Q2. That ranks 2639 of 4,299 federally insured credit unions by assets, 246 of 1,135 among credit unions with $10m-$50m in assets, 39 of 57 credit unions in north carolina. Against its size class: net worth ratio 17.72%, above the peer median of 13.88%; loan-to-share ratio 72.64%, above the peer median of 57.77%; return on assets 1.31%, above the peer median of 0.70%. At 17.72% its net worth ratio is above the 7% NCUA threshold, which puts it in the "well capitalised" band of prompt corrective action; the regulator applies further tests, this page does not.
Key figures, 2026Q2
As filed with the NCUA; ratios computed by FACTANKER. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2026Q2 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $38.3M | $25.2M | $85.1M | $68.3M | record → |
| Shares and deposits | $30.9M | $21.4M | $75.2M | $58.3M | record → |
| Loans outstanding | $22.4M | $11.2M | $53.2M | $34.4M | record → |
| Net income (year to date) | $250.0k | $82.1k | $205.3k | $222.2k | record → |
| Net worth | $6.8M | $3.4M | $10.0M | $9.0M | record → |
| Net worth ratio | 17.72% | 13.88% | 12.88% | 12.65% | record → |
| Loan-to-share ratio | 72.64% | 57.77% | 76.67% | 68.70% | computed |
| Return on assets | 1.31% | 0.70% | 0.58% | 0.71% | computed |
| Members | 2,710 | 2,092 | 6,648 | 4,818 | record → |
Quarter by quarter
45 Call Reports on record, 2015Q2–2026Q2; the 40 most recent shown.
| Quarter | Total assets | Shares | Loans | Net income YTD | Net worth ratio | Members | Rank |
|---|---|---|---|---|---|---|---|
| 2026Q2 | $38.3M | $30.9M | $22.4M | $250.0k | 17.72% | 2,710 | 2639 |
| 2026Q1 | $37.2M | $30.1M | $22.2M | $120.4k | 17.91% | 2,687 | 2676 |
| 2025Q4 | $37.5M | $30.4M | $22.5M | $450.4k | 17.42% | 2,670 | 2663 |
| 2025Q3 | $37.2M | $30.3M | $23.2M | $456.7k | 17.67% | 2,673 | 2675 |
| 2025Q2 | $37.0M | $30.3M | $23.5M | $284.8k | 17.27% | 2,783 | 2691 |
| 2025Q1 | $37.0M | $30.5M | $23.8M | $97.4k | 16.77% | 2,728 | 2710 |
| 2024Q4 | $36.2M | $29.8M | $22.9M | $427.0k | 16.90% | 2,737 | 2733 |
| 2024Q3 | $35.4M | $29.2M | $22.7M | $285.6k | 16.93% | 2,902 | 2756 |
| 2024Q2 | $35.1M | $29.1M | $20.8M | $219.1k | 16.88% | 2,758 | 2777 |
| 2024Q1 | $34.1M | $28.0M | $17.6M | $146.9k | 17.20% | 2,701 | 2841 |
| 2023Q4 | $34.4M | $28.1M | $17.2M | $100.0k | 16.63% | 2,659 | 2826 |
| 2023Q3 | $34.8M | $28.6M | $16.1M | $271.8k | 17.01% | 2,691 | 2836 |
| 2023Q2 | $35.2M | $29.1M | $14.5M | $196.7k | 16.58% | 2,687 | 2833 |
| 2023Q1 | $36.4M | $30.4M | $13.5M | $78.5k | 15.72% | 2,652 | 2817 |
| 2022Q4 | $36.0M | $30.0M | $12.7M | $119.5k | 15.56% | 2,654 | 2836 |
| 2022Q3 | $37.0M | $31.1M | $12.0M | $111.0k | 15.12% | 2,707 | 2824 |
| 2022Q2 | $37.2M | $31.1M | $11.5M | $44.2k | 14.86% | 2,701 | 2823 |
| 2022Q1 | $35.9M | $29.8M | $11.8M | $-5.2k | 15.26% | 2,701 | 2870 |
| 2021Q4 | $34.9M | $29.1M | $10.8M | $24.0k | 15.69% | 2,737 | 2891 |
| 2021Q3 | $33.5M | $27.5M | $10.6M | $34.4k | 16.38% | 2,877 | 2943 |
| 2021Q2 | $34.3M | $28.3M | $10.3M | $13.5k | 15.96% | 2,890 | 2906 |
| 2021Q1 | $33.5M | $27.5M | $10.3M | $1.6k | 16.30% | 2,951 | 2936 |
| 2020Q4 | $32.3M | $26.1M | $10.9M | $72.5k | 16.90% | 2,954 | 2921 |
| 2020Q3 | $30.7M | $24.7M | $11.0M | $74.6k | 17.80% | 2,944 | 2963 |
| 2020Q2 | $29.6M | $23.8M | $11.0M | $60.5k | 18.40% | 3,002 | 2993 |
| 2020Q1 | $27.7M | $22.1M | $11.0M | $27.8k | 19.53% | 2,999 | 3007 |
| 2019Q4 | $27.1M | $21.4M | $10.9M | $240.5k | 19.90% | 2,999 | 3005 |
| 2019Q3 | $27.3M | $21.8M | $10.9M | $193.0k | 19.57% | 3,064 | 2991 |
| 2019Q2 | $26.8M | $21.3M | $11.2M | $139.4k | 19.73% | 3,041 | 3030 |
| 2019Q1 | $26.8M | $21.5M | $11.1M | $75.0k | 19.44% | 3,010 | 3036 |
| 2018Q4 | $26.2M | $20.9M | $11.2M | $222.7k | 19.61% | 2,978 | 3046 |
| 2018Q3 | $27.0M | $21.7M | $11.4M | $160.2k | 18.85% | 3,037 | 3032 |
| 2018Q2 | $27.7M | $22.4M | $11.7M | $101.2k | 18.12% | 3,023 | 3012 |
| 2018Q1 | $27.5M | $22.2M | $12.1M | $41.7k | 18.06% | 2,995 | 3043 |
| 2017Q4 | $26.7M | $21.4M | $12.3M | $110.7k | 18.43% | 2,965 | 3055 |
| 2017Q3 | $27.3M | $22.1M | $12.7M | $76.5k | 17.93% | 3,020 | 3053 |
| 2017Q2 | $27.4M | $22.2M | $12.3M | $33.9k | 17.69% | 3,010 | 3069 |
| 2017Q1 | $27.2M | $22.1M | $12.4M | $0 | 17.67% | 2,984 | 3071 |
| 2016Q4 | $27.2M | $22.1M | $12.1M | $71 | 17.66% | 2,959 | 3049 |
| 2016Q3 | $27.3M | $22.2M | $12.1M | $7.9k | 17.67% | 2,932 | 3052 |
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