BlastPoint's Credit Union Scorecard

CORNERSTONE COMMUNITY

Charter #11723 · NY

Community 500M-750M

165 CUs in 500M-750M nationally 6 in NY

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CORNERSTONE COMMUNITY has 6 strengths but faces 8 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 30.2% in tier
+ Organic Growth Engine: Top 30.2% in tier
+ Net Interest Margin 0.18% above tier average
+ Total Deposits: Top 2.4% in tier
+ Share Certificate Concentration (%): Top 3.0% in tier
+ Total Assets: Top 9.7% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 1.0% in tier
- Efficiency Drag: Bottom 16.7% in tier
- Credit Risk Growth: Bottom 29.4% in tier
- ROA 0.23% below tier average
- Efficiency ratio 10.64% above tier (higher cost structure)
- Delinquency rate 1.23% above tier average
- Total Delinquency Rate (60+ days): Bottom 3.6% in tier
- Net Worth Ratio: Bottom 4.2% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 165 credit unions with $500M-$750M in assets nationally, and 1 of 6 that size in New York.
Shares and deposits +2.6% year over year ($672M in shares and deposits).
Membership: 44,239 members, +2.0% vs a year ago.
Delinquency rate 2.04%.
Return on assets 0.59%.
Efficiency ratio 87.21% vs a 76.56% peer average.
Loan-to-share ratio 75.60% vs a 79.33% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	44,239 +2.0% YoY+0.2% QoQ	+6.3K	37,897 -5.0% YoY	27,051 +5.9% YoY	34,678 +6.6% YoY	76%
Assets	$730.2M +3.3% YoY+0.6% QoQ	+$107.8M	$622.4M +0.6% YoY	$505.5M +8.1% YoY	$593.1M +10.2% YoY	Top 10.3% in tier
Loans	$507.9M +7.2% YoY+3.8% QoQ	+$79.4M	$428.5M -0.7% YoY	$338.7M +9.1% YoY	$418.6M +10.1% YoY	76%
Deposits	$671.9M +2.6% YoY+0.5% QoQ	+$132.2M	$539.8M +0.9% YoY	$431.4M +8.2% YoY	$504.8M +10.3% 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	0.6% +538.7% YoY+23.2% QoQ	-0.2%	0.8% +39.5% YoY	1.2% +60.1% YoY	1.2% +121.4% YoY	38%
NIM	3.7% +8.1% YoY+2.2% QoQ	+0.2%	3.5% +5.0% YoY	3.6% -0.3% YoY	3.8% +2.3% YoY	70%
Efficiency Ratio	87.2% +1.4% YoY-2.1% QoQ	+10.6%	76.6% -3.6% YoY	80.5% +0.8% YoY	83.0% -5.3% YoY	Bottom 14.5% in tier
Delinquency Rate	2.0% +645.5% YoY+43.6% QoQ	+1.2	0.8% +3.1% YoY	1.7% -18.0% YoY	1.3% +2.6% YoY	Bottom 3.6% in tier
Loan To Share	75.6% +4.5% YoY+3.3% QoQ	-3.7%	79.3% -1.4% YoY	59.8% -1.2% YoY	66.4% -1.4% YoY	34%
AMR	$26,670 +2.5% YoY+1.8% QoQ	$-625	$27,294 +4.1% YoY	$19,620 +2.7% YoY	$20,028 -0.9% YoY	58%
CD Concentration	13.1% -4.6% YoY-0.4% QoQ	-11.4%	24.6%	16.4%	20.0%	Bottom 13.7% in tier
Indirect Auto %	1.9% -51.5% YoY-18.1% QoQ	-11.7%	13.6%	2.7%	7.7%	39%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#214 of 342 • Top 30.2% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.97%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Indirect Auto %: 1.94%

(Tier: 13.63%, National: 7.71%)

better than tier avg

485 nationally

↓ Shrinking -91 CUs YoY | Rank improving

Organic Growth Engine

growth

#281 of 344 • Top 30.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.97%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 0.59%

(Tier: 0.85%, National: 1.23%)

but worse than tier avg

Indirect Auto %: 1.94%

(Tier: 13.63%, National: 7.71%)

better than tier avg

490 nationally

↓ Shrinking -271 CUs YoY | Rank improving

Concerns (3)

Credit Quality Pressure

risk

#13 of 693 • Bottom 1.0% in tier

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

Why This Signature

Delinquency Change (YoY): 1.76% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

962 nationally

↓ Shrinking -83 CUs YoY | Rank improving

Credit Risk Growth

risk

#37 of 472 • Bottom 29.4% in tier

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

Why This Signature

Loan Growth (YoY): 7.20%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 1.76% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

688 nationally

↑ Growing +32 CUs YoY | Rank improving

Efficiency Drag

risk

#287 of 531 • Bottom 16.7% in tier

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

Why This Signature

Efficiency Ratio: 87.21%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): 0.49% points

(Tier: 0.10% points, National: 0.47% points)

but better than tier avg

Member Growth (YoY): 1.97%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

608 nationally

↓ Shrinking -37 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 165 peers in tier

Top Strengths (7 metrics)

Total Deposits

balance_sheet

Value: $671.91M

Peer Median: $542.48M

#5 of 165 Top 2.4% in 500M-750M tier

Share Certificate Concentration (%)

balance_sheet

Value: 13.15%

Peer Median: 26.69%

#6 of 165 Top 3.0% in 500M-750M tier

Total Assets

balance_sheet

Value: $730.16M

Peer Median: $621.76M

#17 of 165 Top 9.7% in 500M-750M tier

Net Charge-Off Rate

risk

Value: 0.12%

Peer Median: 0.41%

#20 of 165 Top 11.5% in 500M-750M tier

Total Loans

balance_sheet

Value: $507.93M

Peer Median: $428.72M

#40 of 165 Top 23.6% in 500M-750M tier

Total Members

engagement

Value: 44,239

Peer Median: 36,716

#40 of 165 Top 23.6% in 500M-750M tier

Indirect Auto Concentration (%)

balance_sheet

Value: 1.94%

Peer Median: 9.93%

#42 of 165 Top 24.8% in 500M-750M tier

Top Weaknesses (4 metrics)

160

Total Delinquency Rate (60+ days)

risk

Value: 2.04%

Peer Median: 0.70%

#160 of 165 Bottom 3.6% in 500M-750M tier

159

Net Worth Ratio

risk

Value: 7.73%

Peer Median: 10.42%

#159 of 165 Bottom 4.2% in 500M-750M tier

142

Efficiency Ratio

profitability

Value: 87.21%

Peer Median: 77.45%

#142 of 165 Bottom 14.5% in 500M-750M tier

132

Members Per Employee (MPE)

engagement

Value: 260.229

Peer Median: 313.721

#132 of 165 Bottom 20.6% in 500M-750M tier