BlastPoint's Credit Union Scorecard
CORNERSTONE FINANCIAL
Charter #67972 · TN
CORNERSTONE FINANCIAL has 7 strengths but faces 3 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 16.6% 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
- - Liquidity Strain: Bottom 8.0% in tier
- - Indirect Auto Dependency: Bottom 20.2% 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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| 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
|
Top 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% | Bottom 2.8% in tier |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
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.
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)