BlastPoint's Credit Union Scorecard
CORNER STONE
Charter #68011 · TX
CORNER STONE has 1 strength but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.05% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.85% below tier average
- - Efficiency ratio 11.03% above tier (higher cost structure)
- - Member decline: -5.7% YoY
- - Net Charge-Off Rate: Bottom 7.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,333
-5.7% YoY-0.2% QoQ
|
+656 |
2,676
+1.6% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
72% |
| Assets |
$20.6M
-2.9% YoY+2.6% QoQ
|
$-9.6M |
$30.2M
+1.3% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
48% |
| Loans |
$12.5M
-4.9% YoY-3.2% QoQ
|
$-2.8M |
$15.3M
-2.0% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
57% |
| Deposits |
$18.4M
-2.5% YoY+3.2% QoQ
|
$-7.3M |
$25.8M
+0.7% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
50% |
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| ROA |
-0.7%
-262.6% YoY-352.8% QoQ
|
-0.8% |
0.1%
-77.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 10.8% in tier |
| NIM |
5.1%
+9.8% YoY-7.7% QoQ
|
+1.0% |
4.0%
+4.0% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
Top 11.0% in tier |
| Efficiency Ratio |
101.7%
+1.9% YoY+16.0% QoQ
|
+11.0% |
90.6%
+6.5% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
Bottom 14.3% in tier |
| Delinquency Rate |
0.9%
+143.4% YoY+98.7% QoQ
|
-0.7 |
1.5%
+3.8% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
60% |
| Loan To Share |
67.6%
-2.5% YoY-6.2% QoQ
|
+9.1% |
58.5%
-3.0% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
64% |
| AMR |
$9,275
+2.4% YoY+0.8% QoQ
|
$-6K |
$14,884
-1.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
24% |
| CD Concentration |
10.2%
-19.1% YoY-8.0% QoQ
|
-14.1% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.9% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)