BlastPoint's Credit Union Scorecard

CORNERSTONE COMMUNITY

Charter #11723 · NY

Community 500M-750M
165 CUs in 500M-750M nationally 7 in NY
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CORNERSTONE COMMUNITY has 5 strengths but faces 5 concerns

National Analysis

How does the industry compare?
Community Tier

What's your peer group doing?
NY Analysis

How does NY stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 56.0% in tier
  • + Organic Growth Engine: Top 86.7% in tier
  • + Net Interest Margin 0.09% above tier average
  • + Total Deposits: Top 2.4% in tier
  • + Share Certificate Concentration (%): Top 3.6% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 41.9% in tier
  • - ROA 0.46% below tier average
  • - Efficiency ratio 9.20% above tier (higher cost structure)
  • - Delinquency rate 0.79% above tier average
  • - Net Worth Ratio: Bottom 3.6% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Members 44,033
+2.3% YoY+0.5% QoQ
 +5.5K 38,575
-4.8% YoY
 26,134
+5.1% YoY
 33,374
+5.7% YoY
 72%
Assets $713.4M
+7.6% YoY+0.5% QoQ
 +$91.7M $621.7M
+0.1% YoY
 $482.3M
+7.4% YoY
 $561.6M
+9.7% YoY
 Top 13.3% in tier
Loans $482.2M
+7.9% YoY+2.2% QoQ
 +$52.4M $429.8M
-1.8% YoY
 $324.6M
+7.8% YoY
 $397.0M
+8.8% YoY
 72%
Deposits $657.4M
+6.8% YoY+0.5% QoQ
 +$118.7M $538.7M
+0.6% YoY
 $411.3M
+7.7% YoY
 $477.3M
+9.7% YoY
 Top 3.0% in tier

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

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ROA 0.2%
-54.1% YoY+13.9% QoQ
 -0.5% 0.7%
+42.9% YoY
 0.7%
+147.7% YoY
 0.7%
+15.9% YoY
 Bottom 14.5% in tier
NIM 3.5%
+7.8% YoY+0.4% QoQ
 +0.1% 3.4%
+8.0% YoY
 3.6%
+4.1% YoY
 3.8%
+5.1% YoY
 56%
Efficiency Ratio 86.7%
-0.0% YoY+1.4% QoQ
 +9.2% 77.5%
-4.1% YoY
 80.7%
-3.4% YoY
 79.7%
-3.3% YoY
 Top 14.5% in tier
Delinquency Rate 1.6%
-6.6% YoY+312.3% QoQ
 +0.8 0.8%
-1.1% YoY
 1.6%
-19.7% YoY
 1.3%
-2.1% YoY
 Top 10.9% in tier
Loan To Share 73.4%
+1.0% YoY+1.7% QoQ
 -6.5% 79.8%
-2.3% YoY
 60.4%
-2.5% YoY
 67.4%
-1.7% YoY
 27%
AMR $25,880
+4.9% YoY+0.7% QoQ
 $-969 $26,849
+2.7% YoY
 $19,178
-21.9% YoY
 $19,687
+2.0% YoY
 54%
CD Concentration 14.0%
+14.5% YoY-2.2% QoQ
 -10.4% 24.4% 16.3% 19.8% 16%
Indirect Auto % 2.9%
-48.5% YoY-16.5% QoQ
 -10.9% 13.8% 2.6% 7.8% 41%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth
#239 of 426 • Top 56.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 2.27%
(Tier: 0.69%, National: 4.32%)
better than tier avg
Indirect Auto %: 2.88%
(Tier: 13.79%, National: 7.78%)
better than tier avg
609 nationally
→ No prior data (426 CUs now) | New qualifier

Organic Growth Engine

growth
#516 of 595 • Top 86.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.27%
(Tier: 0.69%, National: 4.32%)
better than tier avg
Return on Assets: 0.20%
(Tier: 0.75%, National: 0.67%)
but worse than tier avg
Indirect Auto %: 2.88%
(Tier: 13.79%, National: 7.78%)
better than tier avg
913 nationally
→ No prior data (595 CUs now) | New qualifier

Concerns (1)

Efficiency Drag

risk
#226 of 538 • Bottom 41.9% in tier

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

Why This Signature
Efficiency Ratio: 86.71%
(Tier: 76.88%, National: 79.67%)
worse than tier avg
ROA Change (YoY): -0.23% points
(Tier: 0.11% points, National: 0.02% points)
worse than tier avg
Member Growth (YoY): 2.27%
(Tier: 0.69%, National: 4.32%)
but better than tier avg
633 nationally
↓ Shrinking -98 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 165 peers in tier

Top Strengths (5 metrics)

5
Total Deposits
balance_sheet
Value: $657.36M
Peer Median: -
#5 of 165 Top 2.4% in 500M-750M tier
7
Share Certificate Concentration (%)
balance_sheet
Value: 14.03%
Peer Median: -
#7 of 165 Top 3.6% in 500M-750M tier
22
Total Assets
balance_sheet
Value: $713.39M
Peer Median: -
#22 of 165 Top 12.7% in 500M-750M tier
25
Net Charge-Off Rate
risk
Value: 0.15%
Peer Median: -
#25 of 165 Top 14.5% in 500M-750M tier
41
Asset Growth Rate
growth
Value: 7.56%
Peer Median: -
#41 of 165 Top 24.2% in 500M-750M tier

Top Weaknesses (4 metrics)

160
Net Worth Ratio
risk
Value: 7.58%
Peer Median: -
#160 of 165 Bottom 3.6% in 500M-750M tier
148
Total Delinquency Rate (60+ days)
risk
Value: 1.63%
Peer Median: -
#148 of 165 Bottom 10.9% in 500M-750M tier
142
Efficiency Ratio
profitability
Value: 86.71%
Peer Median: -
#142 of 165 Bottom 14.5% in 500M-750M tier
141
Return on Assets (ROA)
profitability
Value: 0.20%
Peer Median: -
#141 of 165 Bottom 15.2% in 500M-750M tier
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