BlastPoint's Credit Union Scorecard
CORNERSTONE FINANCIAL
Charter #67972 · TN
CORNERSTONE FINANCIAL has 7 strengths but faces 6 concerns
How does the industry compare?
What's your peer group doing?
How does TN stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 19.8% in tier
- + Wallet Share Momentum: Top 81.7% 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
- - Credit Risk Growth: 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
|
84% |
| 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
|
63% |
| 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
|
69% |
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| 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
|
83% |
| 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
|
69% |
| 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
|
63% |
| 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
|
36% |
| 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
|
49% |
| Indirect Auto % |
53.0%
+5.9% YoY+0.9% QoQ
|
+39.0% |
14.0%
-5.7% YoY
|
6.9%
+1.1% YoY
|
7.9%
-2.9% YoY
|
Top 2.7% in tier |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)