BlastPoint's Credit Union Scorecard
CORNERSTONE COMMUNITY
Charter #11723 · NY
CORNERSTONE COMMUNITY has 6 strengths but faces 6 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 22.8% in tier
- + Organic Growth Engine: Top 30.8% in tier
- + Wallet Share Momentum: Top 47.5% 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
- - Credit Risk Growth: 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
|
68% |
| 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
|
83% |
| 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
|
65% |
| 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 |
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| 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
|
58% |
| 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
|
80% |
| 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
|
25% |
| 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
|
25% |
| 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
|
54% |
| 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
|
17% |
| Indirect Auto % |
3.4%
-47.7% YoY-14.0% QoQ
|
-10.5% |
14.0%
-5.7% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
42% |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)