CU Explorer
Credit unions · North Carolina · Q2 2026

McDowell Cornerstone CU

Credit union in Marion, NC · NCUA charter #60149 · State charter (federally insured)

Legal name: McDowell Cornerstone

Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.

Total assets$38.3M
Total loans & leases$22.4M
Total shares & deposits$30.9M
Members2,710
Net worth$6.8M
Net worth / assets17.72%
Loans / assets58.60%
Return on assets (annualized)1.31%
Loan growth (YoY)−4.47%
Member growth (YoY)−2.62%
Delinquency, all loans (60+ days)2.53%
CharterState charter (federally insured)
Asset band< $50M
NCUA peer group$10M–$50M
Sponsor typeCommunity (inferred from the name)

AI readiness

No public evidence

Nothing public says the credit union uses AI.

No public evidence found as of 2026-09-22. Checked: its website, announcements by AI vendors, news search. Absence of evidence is not evidence of absence; a credit union may use AI without saying so publicly.

Filed signals, from the credit union's own NCUA call report (Q2 2026): uses fintech partners, fintech P2P payments, other fintech, online membership application, online loan application, online loan payments, bill payment, e-Statements, external transfers / ACH, remote deposit capture, mobile payments. These are relationships and channels, not AI as such.

The AI Score runs from one to five stars; one star, no public evidence, is never shown on a credit union. Scores and sources for every credit union: CU AI Ready Report.

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