BlastPoint's Credit Union Scorecard

CORNERSTONE FINANCIAL

Charter #67972 · TN

Community 500M-750M

165 CUs in 500M-750M nationally 4 in TN

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CORNERSTONE FINANCIAL has 8 strengths but faces 3 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

TN Analysis

How does TN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 43.4% in tier
+ Organic Growth Engine: Top 60.6% in tier
+ ROA 0.46% above tier average
+ Net Interest Margin 0.19% above tier average
+ Total Loans: Top 4.8% in tier
+ Members Per Employee (MPE): Top 6.7% in tier
+ Deposit Growth Rate: Top 7.3% in tier
+ Efficiency Ratio: Top 9.7% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 5.2% in tier
- Liquidity Strain: Bottom 32.2% in tier
- Indirect Auto Concentration (%): Bottom 2.4% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Members	49,493 +2.3% YoY-0.1% QoQ	+10.9K	38,575 -4.8% YoY	21,265 +4.5% YoY	33,374 +5.7% YoY	Top 11.5% in tier
Assets	$677.7M +8.6% YoY+3.7% QoQ	+$56.0M	$621.7M +0.1% YoY	$372.5M +10.3% YoY	$561.6M +9.7% YoY	72%
Loans	$572.0M +9.6% YoY+2.7% QoQ	+$142.2M	$429.8M -1.8% YoY	$275.7M +8.6% YoY	$397.0M +8.8% YoY	Top 5.5% in tier
Deposits	$599.1M +11.8% YoY+4.8% QoQ	+$60.4M	$538.7M +0.6% YoY	$312.1M +9.5% YoY	$477.3M +9.7% YoY	78%

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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	1.1% +56.0% YoY+0.3% QoQ	+0.5%	0.7% +42.9% YoY	0.7% -5.8% YoY	0.7% +15.9% YoY	84%
NIM	3.6% +6.4% YoY-1.1% QoQ	+0.2%	3.4% +8.0% YoY	3.8% +3.7% YoY	3.8% +5.1% YoY	67%
Efficiency Ratio	66.8% -8.0% YoY+1.4% QoQ	-10.7%	77.5% -4.1% YoY	79.4% +2.9% YoY	79.7% -3.3% YoY	Bottom 9.7% in tier
Delinquency Rate	0.8% -5.2% YoY-4.6% QoQ	-0.1	0.8% -1.1% YoY	1.1% -12.6% YoY	1.3% -2.1% YoY	59%
Loan To Share	95.5% -2.0% YoY-2.1% QoQ	+15.6%	79.8% -2.3% YoY	70.0% -2.2% YoY	67.4% -1.7% YoY	Top 10.9% in tier
AMR	$23,661 +8.3% YoY+3.9% QoQ	$-3K	$26,849 +2.7% YoY	$18,770 +3.9% YoY	$19,687 +2.0% YoY	39%
CD Concentration	26.6% +1.3% YoY+10.4% QoQ	+2.1%	24.4%	22.4%	19.8%	58%
Indirect Auto %	53.5% +4.6% YoY+1.0% QoQ	+39.7%	13.8%	6.7%	7.8%	Top 2.8% in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth

#223 of 513 • Top 43.4% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 8.26%

(Tier: 4.17%, National: 4.00%)

better than tier avg

662 nationally

↑ Growing +180 CUs YoY | New qualifier

Organic Growth Engine

growth

#361 of 595 • Top 60.6% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.27%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 1.12%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 53.48%

(Tier: 13.79%, National: 7.78%)

but worse than tier avg

913 nationally

→ No prior data (595 CUs now) | New qualifier

Concerns (2)

Indirect Auto Dependency

risk

#27 of 506 • Bottom 5.2% in tier

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

Why This Signature

Asset Growth (YoY): 8.63%

(Tier: 5.37%, National: 3.54%)

but better than tier avg

Indirect Auto %: 53.48%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 2.27%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

745 nationally

↓ Shrinking -35 CUs YoY | Rank improving

Liquidity Strain

risk

#74 of 228 • Bottom 32.2% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 95.48%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 9.59%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

228 of 282 Community CUs have this signature | 439 nationally

↓ Shrinking -37 CUs YoY | Rank improving

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 165 peers in tier

Top Strengths (12 metrics)

Total Loans

balance_sheet

Value: $572.00M

Peer Median: -

#9 of 165 Top 4.8% in 500M-750M tier

Members Per Employee (MPE)

engagement

Value: 449.936

Peer Median: -

#12 of 165 Top 6.7% in 500M-750M tier

Deposit Growth Rate

growth

Value: 11.82%

Peer Median: -

#13 of 165 Top 7.3% in 500M-750M tier

Efficiency Ratio

profitability

Value: 66.78%

Peer Median: -

#17 of 165 Top 9.7% in 500M-750M tier

Loan-to-Share Ratio

balance_sheet

Value: 95.48%

Peer Median: -

#18 of 165 Top 10.3% in 500M-750M tier

Total Members

engagement

Value: 49,493

Peer Median: -

#19 of 165 Top 10.9% in 500M-750M tier

First Mortgage Concentration (%)

balance_sheet

Value: 16.16%

Peer Median: -

#22 of 165 Top 12.7% in 500M-750M tier

AMR Growth Rate

growth

Value: 8.26%

Peer Median: -

#24 of 165 Top 13.9% in 500M-750M tier

Return on Assets (ROA)

profitability

Value: 1.12%

Peer Median: -

#27 of 165 Top 15.8% in 500M-750M tier

Loan Growth Rate

growth

Value: 9.59%

Peer Median: -

#34 of 165 Top 20.0% in 500M-750M tier

Top Weaknesses (1 metrics)

162

Indirect Auto Concentration (%)

balance_sheet

Value: 53.48%

Peer Median: -

#162 of 165 Bottom 2.4% in 500M-750M tier