BlastPoint's Credit Union Scorecard

CORNERSTONE FINANCIAL

Charter #67972 · TN

Community 500M-750M
167 CUs in 500M-750M nationally 5 in TN
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CORNERSTONE FINANCIAL has 6 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 23.7% in tier
  • + ROA 0.48% above tier average
  • + Total Loans: Top 4.8% in tier
  • + Members Per Employee (MPE): Top 7.8% in tier
  • + Deposit Growth Rate: Top 9.0% in tier
  • + Total Members: Top 9.0% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 8.9% in tier
  • - Indirect Auto Dependency: Bottom 9.7% in tier
  • - Indirect Auto Concentration (%): Bottom 2.4% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Members 50,001
+2.9% YoY+1.0% QoQ
 +11.9K 38,079
-4.8% YoY
 21,412
+3.7% YoY
 33,913
+5.7% YoY
 Top 9.6% in tier
Assets $700.1M
+10.4% YoY+3.3% QoQ
 +$80.5M $619.7M
-0.2% YoY
 $379.6M
+8.7% YoY
 $578.3M
+9.0% YoY
 79%
Loans $572.3M
+8.7% YoY+0.0% QoQ
 +$152.9M $419.3M
-1.4% YoY
 $279.0M
+7.7% YoY
 $402.4M
+8.7% YoY
 Top 5.4% in tier
Deposits $618.3M
+10.6% YoY+3.2% QoQ
 +$78.8M $539.5M
-0.1% YoY
 $319.1M
+8.0% YoY
 $494.3M
+9.1% YoY
 82%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 1.2%
+11.6% YoY+4.1% QoQ
 +0.5% 0.7%
+36.0% YoY
 0.6%
-5.0% YoY
 0.4%
-39.2% YoY
 83%
NIM 3.5%
-3.3% YoY-4.3% QoQ
 +0.0% 3.5%
+4.5% YoY
 3.9%
+5.1% YoY
 3.8%
+4.1% YoY
 49%
Efficiency Ratio 66.2%
-1.8% YoY-0.8% QoQ
 -12.2% 78.4%
-3.7% YoY
 79.6%
+1.7% YoY
 84.6%
+2.8% YoY
 Top 12.6% in tier
Delinquency Rate 0.5%
-23.3% YoY-30.3% QoQ
 -0.2 0.7%
-0.9% YoY
 0.9%
-14.5% YoY
 1.2%
+3.4% YoY
 45%
Loan To Share 92.6%
-1.7% YoY-3.1% QoQ
 +14.9% 77.7%
-1.2% YoY
 68.3%
-1.5% YoY
 65.6%
-1.4% YoY
 Top 12.0% in tier
AMR $23,810
+6.6% YoY+0.6% QoQ
 $-3K $26,927
+3.1% YoY
 $18,957
+3.0% YoY
 $19,920
+1.6% YoY
 40%
CD Concentration 26.3%
+3.3% YoY-1.2% QoQ
 +2.0% 24.3% 22.3% 19.8% 58%
Indirect Auto % 52.7%
+2.3% YoY-1.4% QoQ
 +38.9% 13.8% 6.8% 7.7% Bottom 3.1% in tier

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth
#316 of 491 • Top 23.7% in tier

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

Why This Signature
AMR Growth (YoY): 6.61%
(Tier: 3.74%, National: 6.36%)
better than tier avg
637 nationally
↑ Growing +107 CUs YoY | New qualifier

Concerns (2)

Indirect Auto Dependency

risk
#15 of 504 • Bottom 9.7% in tier

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

Why This Signature
Asset Growth (YoY): 10.43%
(Tier: 4.68%, National: 1663.40%)
but better than tier avg
Indirect Auto %: 52.72%
(Tier: 13.80%, National: 7.73%)
worse than tier avg
Member Growth (YoY): 2.90%
(Tier: 0.72%, National: 10.19%)
but better than tier avg
745 nationally
↓ Shrinking -29 CUs YoY | Rank improving

Liquidity Strain

risk
#102 of 183 • Bottom 8.9% in tier

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

Why This Signature
Loan-to-Share Ratio: 92.56%
(Tier: 72.31%, National: 65.58%)
but better than tier avg
Loan Growth (YoY): 8.74%
(Tier: 4.14%, National: 1.74%)
but better than tier avg
183 of 284 Community CUs have this signature | 367 nationally
→ Stable (182→183 CUs) +1 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)

Comparing against 167 peers in tier

Top Strengths (13 metrics)

9
Total Loans
balance_sheet
Value: $572.27M
Peer Median: $427.27M
#9 of 167 Top 4.8% in 500M-750M tier
14
Members Per Employee (MPE)
engagement
Value: 450.459
Peer Median: 318.730
#14 of 167 Top 7.8% in 500M-750M tier
16
Deposit Growth Rate
growth
Value: 10.62%
Peer Median: 4.02%
#16 of 167 Top 9.0% in 500M-750M tier
16
Total Members
engagement
Value: 50,001
Peer Median: 36,874
#16 of 167 Top 9.0% in 500M-750M tier
19
Asset Growth Rate
growth
Value: 10.43%
Peer Median: 4.66%
#19 of 167 Top 10.8% in 500M-750M tier
20
Loan-to-Share Ratio
balance_sheet
Value: 92.56%
Peer Median: 79.97%
#20 of 167 Top 11.4% in 500M-750M tier
22
Efficiency Ratio
profitability
Value: 66.23%
Peer Median: 78.61%
#22 of 167 Top 12.6% in 500M-750M tier
24
First Mortgage Concentration (%)
balance_sheet
Value: 17.22%
Peer Median: 32.87%
#24 of 167 Top 13.8% in 500M-750M tier
28
Return on Assets (ROA)
profitability
Value: 1.17%
Peer Median: 0.61%
#28 of 167 Top 16.2% in 500M-750M tier
30
Total Deposits
balance_sheet
Value: $618.25M
Peer Median: $543.36M
#30 of 167 Top 17.4% in 500M-750M tier

Top Weaknesses (1 metrics)

164
Indirect Auto Concentration (%)
balance_sheet
Value: 52.72%
Peer Median: 10.91%
#164 of 167 Bottom 2.4% in 500M-750M tier
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