BlastPoint's Credit Union Scorecard
MCDOWELL CORNERSTONE
Charter #60149 · NC
MCDOWELL CORNERSTONE has 1 strength but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.06% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.17% below tier average
- - Delinquency rate 0.98% above tier average
- - Member decline: -2.6% YoY
- - First Mortgage Concentration (%): Bottom 2.7% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 31 that size in North Carolina.
- Shares and deposits +1.9% year over year ($30.9M in shares and deposits).
- Membership: 2,710 members, -2.6% vs a year ago.
- Delinquency rate 2.53%.
- Return on assets 1.33%.
- Efficiency ratio 62.55% vs a 88.77% peer average.
- Loan-to-share ratio 72.64% vs a 58.89% 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 (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,710
-2.6% YoY+0.9% QoQ
|
+124 |
2,585
-1.7% YoY
|
91,933
+2.2% YoY
|
34,678
+6.6% YoY
|
64% |
| Assets |
$38.3M
+3.3% YoY+3.0% QoQ
|
+$8.0M |
$30.3M
+1.5% YoY
|
$1.6B
+7.2% YoY
|
$593.1M
+10.2% YoY
|
67% |
| Loans |
$22.4M
-4.5% YoY+0.9% QoQ
|
+$7.0M |
$15.5M
-1.7% YoY
|
$1.1B
+5.6% YoY
|
$418.6M
+10.1% YoY
|
75% |
| Deposits |
$30.9M
+1.9% YoY+2.6% QoQ
|
+$5.1M |
$25.8M
+1.1% YoY
|
$1.4B
+7.1% YoY
|
$504.8M
+10.3% YoY
|
66% |
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| ROA |
1.3%
-13.8% YoY+2.3% QoQ
|
-0.2% |
1.5%
+241.5% YoY
|
0.9%
+189.6% YoY
|
1.2%
+121.4% YoY
|
74% |
| NIM |
4.0%
-6.4% YoY-2.3% QoQ
|
+0.1% |
3.9%
+0.9% YoY
|
4.0%
+0.2% YoY
|
3.8%
+2.3% YoY
|
54% |
| Efficiency Ratio |
62.5%
-3.0% YoY-0.1% QoQ
|
-26.2% |
88.8%
-6.9% YoY
|
83.1%
+0.7% YoY
|
83.0%
-5.3% YoY
|
Top 14.2% in tier |
| Delinquency Rate |
2.5%
+484.5% YoY+186.5% QoQ
|
+1.0 |
1.5%
+2.1% YoY
|
1.5%
+12.0% YoY
|
1.3%
+2.6% YoY
|
84% |
| Loan To Share |
72.6%
-6.3% YoY-1.6% QoQ
|
+13.8% |
58.9%
-3.1% YoY
|
74.9%
+0.0% YoY
|
66.4%
-1.4% YoY
|
71% |
| AMR |
$19,668
+1.8% YoY+1.0% QoQ
|
+$5K |
$14,963
-6.8% YoY
|
$17,976
+4.0% YoY
|
$20,028
-0.9% YoY
|
76% |
| CD Concentration |
8.8%
+3.3% YoY+13.0% QoQ
|
-15.7% | 24.6% | 21.4% | 20.0% | 50% |
| Indirect Auto % |
0.0%
-66.1% YoY
|
-13.6% | 13.6% | 4.6% | 7.7% | 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)