CORNERSTONE COMMUNITY

Charter #11723 | NY

500M-750M (169 CUs) Community (281 CUs)
7 500M-750M in NY

CORNERSTONE COMMUNITY has 7 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 8.0% in tier
  • + Wallet Share Momentum: Top 8.3% in tier
  • + Organic Growth Leader: Top 22.8% in tier
  • + Organic Growth Engine: Top 30.8% in tier
  • + Net Interest Margin 0.09% above tier average
  • + Total Deposits: Top 3.0% in tier
  • + Share Certificate Concentration (%): Top 3.6% in tier

Key Concerns

Areas that may need attention

  • - Growth-at-Risk: Bottom 10.3% in tier
  • - Credit Quality Pressure: Bottom 17.7% in tier
  • - Efficiency Drag: Bottom 17.7% in tier
  • - ROA 0.48% below tier average
  • - Efficiency ratio 7.38% above tier (higher cost structure)
  • - Net Worth Ratio: Bottom 3.6% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Members 43,823
+1.5% YoY+1.0% QoQ
 +4.1K 39,752
-2.7% YoY
 25,964
+5.4% YoY
 33,089
+6.1% YoY
 68th in tier
Assets $709.6M
+8.8% YoY+0.4% QoQ
 +$87.2M $622.4M
+0.3% YoY
 $471.3M
+6.4% YoY
 $547.7M
+7.8% YoY
 Top 16.6% in tier
Loans $471.9M
+9.7% YoY-0.4% QoQ
 +$35.9M $435.9M
-0.4% YoY
 $316.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 65th in tier
Deposits $654.0M
+9.0% YoY-0.1% QoQ
 +$116.0M $538.0M
+1.3% YoY
 $400.0M
+7.6% YoY
 $464.6M
+9.3% YoY
 Top 3.6% in tier
ROA 0.2%
-67.2% YoY+90.3% QoQ
 -0.5% 0.7%
+33.9% YoY
 0.9%
+294.0% YoY
 0.7%
+273.4% YoY
 Bottom 11.8% in tier
NIM 3.5%
+6.7% YoY+2.5% QoQ
 +0.1% 3.4%
+8.6% YoY
 3.6%
+5.0% YoY
 3.7%
+5.0% YoY
 58th in tier
Efficiency Ratio 85.5%
+0.8% YoY-0.6% QoQ
 +7.4% 78.1%
-3.4% YoY
 80.1%
-6.2% YoY
 79.1%
-3.3% YoY
 Top 20.1% in tier
Delinquency Rate 0.4%
+51.0% YoY+44.8% QoQ
 -0.4 0.8%
-4.9% YoY
 1.7%
-8.3% YoY
 1.2%
-0.9% YoY
 Bottom 24.9% in tier
Loan To Share 72.1%
+0.6% YoY-0.3% QoQ
 -8.9% 81.0%
-1.8% YoY
 61.5%
-2.3% YoY
 68.0%
-1.7% YoY
 25th in tier
AMR $25,692
+7.7% YoY-1.2% QoQ
 $-790 $26,482
+2.6% YoY
 $19,040
-21.7% YoY
 $19,418
+1.3% YoY
 54th in tier
CD Concentration 14.4%
+14.6% YoY+4.2% QoQ
 -10.1% 24.4%
+4.2% YoY
 15.9%
+8.4% YoY
 19.6%
+6.2% YoY
 Bottom 17.1% in tier
Indirect Auto % 3.4%
-47.7% YoY-14.0% QoQ
 -10.5% 14.0%
-5.8% YoY
 2.6%
-3.7% YoY
 7.9%
-2.9% YoY
 42nd in tier

Signature Analysis

Strengths (4)

Relationship Depth Leader

growth
#220 of 1006 • Top 8.0% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 7.67%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.7K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#229 of 1006 • Top 8.3% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 7.67%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Organic Growth Leader

growth
#302 of 430 • Top 22.8% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 1.51%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 281 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | New qualifier

Organic Growth Engine

growth
#565 of 603 • Top 30.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.51%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.17%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 3.45%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Concerns (3)

Growth-at-Risk

risk
#155 of 446 • Bottom 10.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 9.66%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.13% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 281 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | New qualifier

Credit Quality Pressure

risk
#438 of 736 • Bottom 17.7% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.13% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | New qualifier

Efficiency Drag

risk
#313 of 521 • Bottom 17.7% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 85.48%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.36% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 1.51%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
521 of 281 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank improving

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 169 peers in tier

Top Strengths (9 metrics)

6
Total Deposits
balance_sheet
Value: $654.02M
Peer Avg: $538.02M
#6 of 169 Top 3.0% in 500M-750M tier
7
Share Certificate Concentration (%)
balance_sheet
Value: 14.35%
Peer Avg: 26.87%
#7 of 169 Top 3.6% in 500M-750M tier
27
Asset Growth Rate
growth
Value: 8.83%
Peer Avg: 4.33%
#27 of 169 Top 15.4% in 500M-750M tier
28
Total Assets
balance_sheet
Value: $709.62M
Peer Avg: $622.38M
#28 of 169 Top 16.0% in 500M-750M tier
30
AMR Growth Rate
growth
Value: 7.67%
Peer Avg: 3.12%
#30 of 169 Top 17.2% in 500M-750M tier
31
Deposit Growth Rate
growth
Value: 9.05%
Peer Avg: 5.25%
#31 of 169 Top 17.8% in 500M-750M tier
34
Loan Growth Rate
growth
Value: 9.66%
Peer Avg: 4.04%
#34 of 169 Top 19.5% in 500M-750M tier
42
Net Charge-Off Rate
risk
Value: 0.20%
Peer Avg: 0.51%
#42 of 169 Top 24.3% in 500M-750M tier
43
Total Delinquency Rate (60+ days)
risk
Value: 0.40%
Peer Avg: 0.80%
#43 of 169 Top 24.9% in 500M-750M tier

Top Weaknesses (3 metrics)

164
Net Worth Ratio
risk
Value: 7.64%
Peer Avg: 10.94%
#164 of 169 Bottom 3.6% in 500M-750M tier
149
Return on Assets (ROA)
profitability
Value: 0.17%
Peer Avg: 0.66%
#149 of 169 Bottom 12.4% in 500M-750M tier
136
Efficiency Ratio
profitability
Value: 85.48%
Peer Avg: 78.10%
#136 of 169 Bottom 20.1% in 500M-750M tier