BlastPoint's Credit Union Scorecard

MCDOWELL CORNERSTONE

Charter #60149 · NC

2556 CUs in <100M nationally 31 in NC

MCDOWELL CORNERSTONE has 1 strength but faces 2 concerns

National Analysis

How does the industry compare?

NC Analysis

How does NC stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.59% above tier average

Key Concerns

Areas that may need attention

- Member decline: -2.4% YoY
- First Mortgage Concentration (%): Bottom 2.6% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
Members	2,670 -2.4% YoY-0.1% QoQ	+54	2,615 -1.9% YoY	91,719 +6.9% YoY	33,374 +5.7% YoY	62%
Assets	$37.5M +3.7% YoY+0.9% QoQ	+$7.4M	$30.1M +2.1% YoY	$1.6B +12.6% YoY	$561.6M +9.7% YoY	67%
Loans	$22.5M -1.6% YoY-2.9% QoQ	+$6.8M	$15.8M -1.3% YoY	$1.1B +9.8% YoY	$397.0M +8.8% YoY	74%
Deposits	$30.4M +2.0% YoY+0.3% QoQ	+$4.7M	$25.7M +1.4% YoY	$1.4B +12.2% YoY	$477.3M +9.7% YoY	65%

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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	1.2% +1.1% YoY-26.5% QoQ	+0.6%	0.6% +10.8% YoY	0.2% -40.7% YoY	0.7% +15.9% YoY	74%
NIM	3.8% -1.4% YoY-9.6% QoQ	-0.2%	4.0% +4.0% YoY	4.1% +4.6% YoY	3.8% +5.1% YoY	46%
Efficiency Ratio	69.1% -7.2% YoY+8.6% QoQ	-13.5%	82.6% -2.3% YoY	80.6% -3.1% YoY	79.7% -3.3% YoY	26%
Delinquency Rate	0.8% -4.6% YoY+11.0% QoQ	-0.7	1.6% -3.1% YoY	2.1% -15.0% YoY	1.3% -2.1% YoY	54%
Loan To Share	74.3% -3.5% YoY-3.2% QoQ	+13.6%	60.6% -3.1% YoY	75.9% +1.0% YoY	67.4% -1.7% YoY	70%
AMR	$19,811 +2.9% YoY-1.0% QoQ	+$5K	$14,783 -1.4% YoY	$17,588 +4.6% YoY	$19,687 +2.0% YoY	78%
CD Concentration	7.6% +1.8% YoY-1.7% QoQ	-16.8%	24.4%	21.7%	19.8%	50%
Indirect Auto %	0.0% -59.5% YoY-17.5% QoQ	-13.8%	13.8%	5.1%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2556 peers in tier

Top Strengths (2 metrics)

395

Loan-to-Member Ratio (LMR)

engagement

Value: $8,442

Peer Median: -

#395 of 2556 Top 15.4% in <100M tier

561

Average Member Relationship (AMR)

engagement

Value: $19,811

Peer Median: -

#561 of 2556 Top 21.9% in <100M tier

Top Weaknesses (2 metrics)

2490

First Mortgage Concentration (%)

balance_sheet

Value: 68.02%

Peer Median: -

#2490 of 2556 Bottom 2.6% in <100M tier

2154

Indirect Auto Concentration (%)

balance_sheet

Value: 0.04%

Peer Median: -

#2154 of 2556 Bottom 15.8% in <100M tier