BlastPoint's Credit Union Scorecard
MCDOWELL CORNERSTONE
Charter #60149 · NC
MCDOWELL CORNERSTONE has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.96% above tier average
- + Net Interest Margin 0.25% above tier average
- + AMR Growth Rate: Top 6.8% in tier
Key Concerns
Areas that may need attention
- - Member decline: -7.9% YoY
- - First Mortgage Concentration (%): Bottom 2.4% in tier
- - Member Growth Rate: Bottom 8.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,673
-7.9% YoY-4.0% QoQ
|
+47 |
2,625
-2.2% YoY
|
91,841
+6.6% YoY
|
33,089
+6.1% YoY
|
62% |
| Assets |
$37.2M
+4.9% YoY+0.3% QoQ
|
+$7.3M |
$29.9M
+1.1% YoY
|
$1.5B
+5.5% YoY
|
$547.7M
+7.8% YoY
|
67% |
| Loans |
$23.2M
+2.4% YoY-1.1% QoQ
|
+$7.5M |
$15.8M
-2.4% YoY
|
$1.1B
+9.9% YoY
|
$388.7M
+8.6% YoY
|
75% |
| Deposits |
$30.3M
+3.7% YoY-0.1% QoQ
|
+$4.8M |
$25.5M
+0.4% YoY
|
$1.3B
+12.1% YoY
|
$464.6M
+9.3% YoY
|
66% |
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| ROA |
1.6%
+52.1% YoY+6.7% QoQ
|
+1.0% |
0.7%
-731.4% YoY
|
0.4%
-19.0% YoY
|
0.7%
+273.4% YoY
|
84% |
| NIM |
4.2%
+12.5% YoY-1.0% QoQ
|
+0.3% |
3.9%
+3.8% YoY
|
4.1%
+4.0% YoY
|
3.7%
+5.0% YoY
|
62% |
| Efficiency Ratio |
63.6%
-17.3% YoY-1.4% QoQ
|
-17.8% |
81.4%
-2.4% YoY
|
81.5%
-1.2% YoY
|
79.1%
-3.3% YoY
|
19% |
| Delinquency Rate |
0.8%
+8.1% YoY+73.9% QoQ
|
-0.8 |
1.5%
-2.0% YoY
|
1.5%
+2.4% YoY
|
1.2%
-0.9% YoY
|
54% |
| Loan To Share |
76.7%
-1.3% YoY-1.0% QoQ
|
+15.5% |
61.2%
-3.0% YoY
|
76.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
73% |
| AMR |
$20,009
+12.0% YoY+3.6% QoQ
|
+$5K |
$14,627
-2.7% YoY
|
$17,441
+4.0% YoY
|
$19,418
+1.3% YoY
|
80% |
| CD Concentration |
7.8%
+18.0% YoY-9.0% QoQ
|
-16.6% |
24.4%
+4.2% YoY
|
20.6%
+2.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
0.0%
-59.5% YoY-24.3% QoQ
|
-13.9% |
14.0%
-5.7% YoY
|
5.3%
-2.9% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)