BlastPoint's Credit Union Scorecard
CORNERSTONE COMMUNITY
Charter #11723 · NY
CORNERSTONE COMMUNITY has 5 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does NY stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 22.5% in tier
- + Organic Growth Engine: Top 22.5% in tier
- + Net Interest Margin 0.16% above tier average
- + Total Deposits: Top 2.4% in tier
- + Share Certificate Concentration (%): Top 3.0% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 1.3% in tier
- - Efficiency Drag: Bottom 16.5% in tier
- - Credit Risk Growth: Bottom 23.9% in tier
- - ROA 0.21% below tier average
- - Efficiency ratio 10.65% above tier (higher cost structure)
- - Delinquency rate 0.71% above tier average
- - Net Worth Ratio: Bottom 3.6% in tier
- - Total Delinquency Rate (60+ days): Bottom 6.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
44,162
+2.8% YoY+0.3% QoQ
|
+6.1K |
38,079
-4.8% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
75% |
| Assets |
$725.9M
+4.8% YoY+1.8% QoQ
|
+$106.2M |
$619.7M
-0.2% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
Top 10.8% in tier |
| Loans |
$489.2M
+8.3% YoY+1.5% QoQ
|
+$69.9M |
$419.3M
-1.4% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
77% |
| Deposits |
$668.3M
+4.0% YoY+1.7% QoQ
|
+$128.8M |
$539.5M
-0.1% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
Top 3.0% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.5%
+139.3% QoQ
|
-0.2% |
0.7%
+36.0% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
38% |
| NIM |
3.6%
+5.1% YoY+2.7% QoQ
|
+0.2% |
3.5%
+4.5% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
65% |
| Efficiency Ratio |
89.0%
+0.2% YoY+2.7% QoQ
|
+10.7% |
78.4%
-3.7% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
Bottom 15.0% in tier |
| Delinquency Rate |
1.4%
+437.2% YoY-13.0% QoQ
|
+0.7 |
0.7%
-0.9% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 6.6% in tier |
| Loan To Share |
73.2%
+4.1% YoY-0.2% QoQ
|
-4.5% |
77.7%
-1.2% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
33% |
| AMR |
$26,210
+2.9% YoY+1.3% QoQ
|
$-717 |
$26,927
+3.1% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
53% |
| CD Concentration |
13.2%
+6.1% YoY-5.9% QoQ
|
-11.1% | 24.3% | 16.4% | 19.8% | Bottom 14.8% in tier |
| Indirect Auto % |
2.4%
-51.1% YoY-17.5% QoQ
|
-11.4% | 13.8% | 2.6% | 7.7% | 40% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)