BlastPoint's Credit Union Scorecard

MCDOWELL CORNERSTONE

Charter #60149 · NC

<100M

2508 CUs in <100M nationally 31 in NC

MCDOWELL CORNERSTONE has 1 strength but faces 1 concern

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 1.15% above tier average

Key Concerns

Areas that may need attention

- First Mortgage Concentration (%): Bottom 2.7% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
Members	2,687 -1.5% YoY+0.6% QoQ	+10	2,676 +1.6% YoY	91,843 +3.2% YoY	33,913 +5.7% YoY	63%
Assets	$37.2M +0.3% YoY-0.9% QoQ	+$7.0M	$30.2M +1.3% YoY	$1.6B +7.7% YoY	$578.3M +9.0% YoY	66%
Loans	$22.2M -6.6% YoY-1.4% QoQ	+$6.9M	$15.3M -2.0% YoY	$1.1B +5.7% YoY	$402.4M +8.7% YoY	74%
Deposits	$30.1M -1.2% YoY-0.8% QoQ	+$4.3M	$25.8M +0.7% YoY	$1.4B +7.2% YoY	$494.3M +9.1% YoY	64%

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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	1.3% +21.8% YoY+7.5% QoQ	+1.1%	0.1% -77.6% YoY	0.4% +21.7% YoY	0.4% -39.2% YoY	79%
NIM	4.1% +0.4% YoY+7.0% QoQ	+0.0%	4.0% +4.0% YoY	4.0% +0.2% YoY	3.8% +4.1% YoY	60%
Efficiency Ratio	62.6% -15.2% YoY-9.4% QoQ	-28.0%	90.6% +6.5% YoY	84.1% +2.7% YoY	84.6% +2.8% YoY	15%
Delinquency Rate	0.9% +298.7% YoY+5.7% QoQ	-0.6	1.5% +3.8% YoY	1.3% -24.7% YoY	1.2% +3.4% YoY	61%
Loan To Share	73.8% -5.6% YoY-0.6% QoQ	+15.3%	58.5% -3.0% YoY	74.3% +0.8% YoY	65.6% -1.4% YoY	73%
AMR	$19,473 -2.1% YoY-1.7% QoQ	+$5K	$14,884 -1.7% YoY	$17,856 +2.9% YoY	$19,920 +1.6% YoY	76%
CD Concentration	7.8% -18.0% YoY+2.1% QoQ	-16.5%	24.3%	21.2%	19.8%	50%
Indirect Auto %	0.0% -59.2% YoY	-13.8%	13.8%	4.9%	7.7%	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 2508 peers in tier

Top Strengths (4 metrics)

380

Efficiency Ratio

profitability

Value: 62.60%

Peer Median: 81.45%

#380 of 2508 Top 15.1% in <100M tier

395

Loan-to-Member Ratio (LMR)

engagement

Value: $8,270

Peer Median: $4,923

#395 of 2508 Top 15.7% in <100M tier

516

Return on Assets (ROA)

profitability

Value: 1.30%

Peer Median: 0.61%

#516 of 2508 Top 20.5% in <100M tier

604

Average Member Relationship (AMR)

engagement

Value: $19,473

Peer Median: $13,926

#604 of 2508 Top 24.0% in <100M tier

Top Weaknesses (2 metrics)

2442

First Mortgage Concentration (%)

balance_sheet

Value: 68.02%

Peer Median: 3.66%

#2442 of 2508 Bottom 2.7% in <100M tier

2119

Indirect Auto Concentration (%)

balance_sheet

Value: 0.03%

Peer Median: 0.00%

#2119 of 2508 Bottom 15.6% in <100M tier