BlastPoint's Credit Union Scorecard

CORNERSTONE

Charter #60189 · IL

100M-500M

1070 CUs in 100M-500M nationally 28 in IL

CORNERSTONE has 4 strengths but faces 6 concerns

National Analysis

How does the industry compare?

IL Analysis

How does IL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Emerging Performer: Top 50.0% in tier
+ ROA 0.66% above tier average
+ Strong member growth: 30.0% YoY
+ Member Growth Rate: Top 1.3% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Delinquency rate 0.51% above tier average
- AMR Growth Rate: Bottom 0.8% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Members	12,352 +30.0% YoY+1.0% QoQ	-2.8K	15,145 -2.5% YoY	22,133 +6.8% YoY	33,913 +5.7% YoY	46%
Assets	$178.0M +3.3% YoY+5.4% QoQ	$-53.8M	$231.7M +0.8% YoY	$406.0M +9.7% YoY	$578.3M +9.0% YoY	43%
Loans	$101.4M +5.1% YoY+0.6% QoQ	$-42.7M	$144.1M +0.2% YoY	$279.6M +10.0% YoY	$402.4M +8.7% YoY	38%
Deposits	$158.9M +2.5% YoY+5.5% QoQ	$-42.2M	$201.1M +0.4% YoY	$344.9M +10.3% YoY	$494.3M +9.1% YoY	45%

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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	1.4% +505.8% YoY+131.3% QoQ	+0.7%	0.7% +5.1% YoY	0.5% -57.9% YoY	0.4% -39.2% YoY	Top 13.8% in tier
NIM	3.2% +7.6% YoY-4.4% QoQ	-0.5%	3.6% +4.6% YoY	3.7% -0.2% YoY	3.8% +4.1% YoY	24%
Efficiency Ratio	70.1% -13.2% YoY-13.1% QoQ	-8.0%	78.0% -1.7% YoY	87.0% +8.4% YoY	84.6% +2.8% YoY	25%
Delinquency Rate	1.3% +346.0% YoY-26.9% QoQ	+0.5	0.8% +7.1% YoY	1.2% +7.3% YoY	1.2% +3.4% YoY	Bottom 14.7% in tier
Loan To Share	63.8% +2.5% YoY-4.6% QoQ	-6.6%	70.4% -0.4% YoY	60.2% -0.9% YoY	65.6% -1.4% YoY	33%
AMR	$21,078 -20.4% YoY+2.6% QoQ	$-4K	$24,918 +2.7% YoY	$15,723 +4.6% YoY	$19,920 +1.6% YoY	39%
CD Concentration	28.6% +2.6% YoY+4.7% QoQ	+4.3%	24.3%	14.0%	19.8%	50%
Indirect Auto %	33.3% +7.6% YoY+2.4% QoQ	+19.5%	13.8%	7.2%	7.7%	50%

Signature Analysis

Strengths (1)

Emerging Performer

growth

#10 of 157 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.39%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 30.03%

(Tier: 0.72%, National: 10.19%)

better than tier avg

157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally

→ No prior data (157 CUs now) | New qualifier

Concerns (4)

Shrinking Wallet Share

decline

#7 of 238 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -20.43%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | New qualifier

Credit Quality Pressure

risk

#30 of 727 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 1.00% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Credit Risk Growth

risk

#94 of 476 • Bottom 50.0% in tier

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

Why This Signature

Loan Growth (YoY): 5.07%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 1.00% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Indirect Auto Dependency

risk

#348 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 3.30%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 33.35%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 30.03%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 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 1070 peers in tier

Top Strengths (3 metrics)

Member Growth Rate

growth

Value: 30.03%

Peer Median: -0.06%

#15 of 1070 Top 1.3% in 100M-500M tier

148

Return on Assets (ROA)

profitability

Value: 1.39%

Peer Median: 0.69%

#148 of 1070 Top 13.7% in 100M-500M tier

265

Efficiency Ratio

profitability

Value: 70.07%

Peer Median: 78.68%

#265 of 1070 Top 24.7% in 100M-500M tier

Top Weaknesses (5 metrics)

1062

AMR Growth Rate

growth

Value: -20.43%

Peer Median: 3.46%

#1062 of 1070 Bottom 0.8% in 100M-500M tier

935

Indirect Auto Concentration (%)

balance_sheet

Value: 33.35%

Peer Median: 6.61%

#935 of 1070 Bottom 12.7% in 100M-500M tier

914

Total Delinquency Rate (60+ days)

risk

Value: 1.28%

Peer Median: 0.61%

#914 of 1070 Bottom 14.7% in 100M-500M tier

840

Net Worth Ratio

risk

Value: 9.56%

Peer Median: 11.45%

#840 of 1070 Bottom 21.6% in 100M-500M tier

817

Net Interest Margin (NIM)

profitability

Value: 3.18%

Peer Median: 3.62%

#817 of 1070 Bottom 23.7% in 100M-500M tier