CORNERSTONE FINANCIAL

Charter #67972 | TN

500M-750M (169 CUs) Community (281 CUs)
4 500M-750M in TN

CORNERSTONE FINANCIAL has 8 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 14.2% in tier
  • + Organic Growth Engine: Top 19.8% in tier
  • + Relationship Depth Leader: Top 23.9% in tier
  • + ROA 0.46% above tier average
  • + Net Interest Margin 0.24% above tier average
  • + Members Per Employee (MPE): Top 7.1% in tier
  • + Efficiency Ratio: Top 7.7% in tier
  • + Total Loans: Top 9.5% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 2.4% in tier
  • - Liquidity Strain: Bottom 8.7% in tier
  • - Growth-at-Risk: Bottom 13.1% in tier
  • - Credit Quality Pressure: Bottom 18.2% in tier
  • - Delinquency rate 0.02% above tier average
  • - Indirect Auto Concentration (%): Bottom 2.4% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Members 49,552
+2.5% YoY+1.0% QoQ
 +9.8K 39,752
-2.7% YoY
 21,139
+4.9% YoY
 33,089
+6.1% YoY
 Top 16.0% in tier
Assets $653.7M
+6.7% YoY+2.2% QoQ
 +$31.4M $622.4M
+0.3% YoY
 $362.5M
+9.5% YoY
 $547.7M
+7.8% YoY
 63rd in tier
Loans $557.2M
+8.6% YoY+2.2% QoQ
 +$121.3M $435.9M
-0.4% YoY
 $271.1M
+9.1% YoY
 $388.7M
+8.6% YoY
 Top 10.1% in tier
Deposits $571.5M
+8.3% YoY+1.8% QoQ
 +$33.5M $538.0M
+1.3% YoY
 $303.0M
+8.7% YoY
 $464.6M
+9.3% YoY
 69th in tier
ROA 1.1%
+101.6% YoY-2.3% QoQ
 +0.5% 0.7%
+33.9% YoY
 0.8%
+4.1% YoY
 0.7%
+273.4% YoY
 Top 16.6% in tier
NIM 3.7%
+9.0% YoY+0.4% QoQ
 +0.2% 3.4%
+8.6% YoY
 3.8%
+5.1% YoY
 3.7%
+5.0% YoY
 69th in tier
Efficiency Ratio 65.9%
-11.6% YoY+0.6% QoQ
 -12.2% 78.1%
-3.4% YoY
 75.4%
-1.8% YoY
 79.1%
-3.3% YoY
 Bottom 7.7% in tier
Delinquency Rate 0.8%
+18.0% YoY+6.6% QoQ
 +0.0 0.8%
-4.9% YoY
 1.1%
+8.5% YoY
 1.2%
-0.9% YoY
 63rd in tier
Loan To Share 97.5%
+0.3% YoY+0.4% QoQ
 +16.5% 81.0%
-1.8% YoY
 70.4%
-2.4% YoY
 68.0%
-1.7% YoY
 Top 10.7% in tier
AMR $22,778
+5.8% YoY+1.0% QoQ
 $-4K $26,482
+2.6% YoY
 $18,470
+2.4% YoY
 $19,418
+1.3% YoY
 36th in tier
CD Concentration 24.1%
-10.1% YoY+2.7% QoQ
 -0.3% 24.4%
+4.2% YoY
 22.3%
+6.6% YoY
 19.6%
+6.2% YoY
 49th in tier
Indirect Auto % 53.0%
+5.9% YoY+0.9% QoQ
 +39.0% 14.0%
-5.8% YoY
 6.9%
+1.1% YoY
 7.9%
-2.9% YoY
 Top 2.7% in tier

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth
#393 of 1006 • Top 14.2% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 5.79%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Organic Growth Engine

growth
#364 of 603 • Top 19.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.50%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 1.12%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 52.96%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Relationship Depth Leader

growth
#660 of 1006 • Top 23.9% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 5.79%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.0K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Concerns (4)

Indirect Auto Dependency

risk
#39 of 525 • Bottom 2.4% in tier

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

Why This Signature
Asset Growth (YoY): 6.67%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 52.96%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 2.50%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 281 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank improving

Liquidity Strain

risk
#68 of 258 • Bottom 8.7% in tier

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

Why This Signature
Loan-to-Share Ratio: 97.50%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 8.60%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
258 of 281 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | Rank improving

Growth-at-Risk

risk
#197 of 446 • Bottom 13.1% in tier

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

Why This Signature
Loan Growth (YoY): 8.60%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.13% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 281 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | New qualifier

Credit Quality Pressure

risk
#452 of 736 • Bottom 18.2% in tier

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

Why This Signature
Delinquency Change (YoY): 0.13% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | New qualifier

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)

Comparing against 169 peers in tier

Top Strengths (11 metrics)

13
Members Per Employee (MPE)
engagement
Value: 467.472
Peer Avg: 338.010
#13 of 169 Top 7.1% in 500M-750M tier
14
Efficiency Ratio
profitability
Value: 65.87%
Peer Avg: 78.10%
#14 of 169 Top 7.7% in 500M-750M tier
17
Total Loans
balance_sheet
Value: $557.21M
Peer Avg: $435.95M
#17 of 169 Top 9.5% in 500M-750M tier
18
Loan-to-Share Ratio
balance_sheet
Value: 97.50%
Peer Avg: 81.02%
#18 of 169 Top 10.1% in 500M-750M tier
22
First Mortgage Concentration (%)
balance_sheet
Value: 15.80%
Peer Avg: 33.53%
#22 of 169 Top 12.4% in 500M-750M tier
27
Total Members
engagement
Value: 49,552
Peer Avg: 39,752
#27 of 169 Top 15.4% in 500M-750M tier
28
Return on Assets (ROA)
profitability
Value: 1.12%
Peer Avg: 0.66%
#28 of 169 Top 16.0% in 500M-750M tier
39
Deposit Growth Rate
growth
Value: 8.29%
Peer Avg: 5.25%
#39 of 169 Top 22.5% in 500M-750M tier
42
Loan Growth Rate
growth
Value: 8.60%
Peer Avg: 4.04%
#42 of 169 Top 24.3% in 500M-750M tier
43
Member Growth Rate
growth
Value: 2.50%
Peer Avg: 1.75%
#43 of 169 Top 24.9% in 500M-750M tier

Top Weaknesses (1 metrics)

166
Indirect Auto Concentration (%)
balance_sheet
Value: 52.96%
Peer Avg: 16.19%
#166 of 169 Bottom 2.4% in 500M-750M tier