CORNERSTONE COMMUNITY FINANCIAL

Charter #68641 | MI

100M-500M (1077 CUs) Micro
67 100M-500M in MI

CORNERSTONE COMMUNITY FINANCIAL has 8 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 14.8% in tier
  • + Wallet Share Momentum: Top 21.2% in tier
  • + Relationship Depth Leader: Top 22.4% in tier
  • + ROA 0.06% above tier average
  • + Net Interest Margin 0.47% above tier average
  • + Loan-to-Share Ratio: Top 0.4% in tier
  • + Total Loans: Top 0.5% in tier
  • + Total Assets: Top 5.1% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 1.2% in tier
  • - Indirect Auto Dependency: Bottom 11.6% in tier
  • - Growth-at-Risk: Bottom 12.0% in tier
  • - Credit Quality Pressure: Bottom 16.5% in tier
  • - Liquidity Overhang: Bottom 34.5% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Members 25,460
+4.2% YoY+1.0% QoQ
 +9.8K 15,628
-3.4% YoY
 35,456
+8.6% YoY
 33,089
+6.1% YoY
 Top 12.5% in tier
Assets $445.0M
+8.4% YoY+0.5% QoQ
 +$213.7M $231.3M
-0.0% YoY
 $650.8M
+12.6% YoY
 $547.7M
+7.8% YoY
 Top 5.2% in tier
Loans $378.7M
+8.4% YoY+0.8% QoQ
 +$230.9M $147.8M
-1.4% YoY
 $461.6M
+14.9% YoY
 $388.7M
+8.6% YoY
 Top 0.6% in tier
Deposits $334.1M
+8.4% YoY-1.5% QoQ
 +$133.8M $200.3M
-0.0% YoY
 $550.3M
+12.5% YoY
 $464.6M
+9.3% YoY
 Top 12.3% in tier
ROA 0.9%
+40.7% YoY+22.8% QoQ
 +0.1% 0.8%
+15.5% YoY
 0.8%
-27.1% YoY
 0.7%
+273.4% YoY
 56th in tier
NIM 4.1%
+8.3% YoY+1.6% QoQ
 +0.5% 3.6%
+6.9% YoY
 3.7%
+8.5% YoY
 3.7%
+5.0% YoY
 Top 23.7% in tier
Efficiency Ratio 72.5%
-8.5% YoY-4.3% QoQ
 -4.8% 77.3%
-3.0% YoY
 76.1%
-1.3% YoY
 79.1%
-3.3% YoY
 32nd in tier
Delinquency Rate 0.8%
+22.8% YoY+25.5% QoQ
 -0.0 0.9%
+7.6% YoY
 0.9%
-19.7% YoY
 1.2%
-0.9% YoY
 63rd in tier
Loan To Share 113.3%
-0.0% YoY+2.4% QoQ
 +40.6% 72.7%
-1.5% YoY
 68.1%
+0.3% YoY
 68.0%
-1.7% YoY
 Top 0.5% in tier
AMR $27,999
+4.0% YoY-1.3% QoQ
 +$4K $24,363
+2.9% YoY
 $22,054
+2.5% YoY
 $19,418
+1.3% YoY
 Top 23.2% in tier
CD Concentration 26.3%
+23.0% YoY+1.6% QoQ
 +1.9% 24.4%
+4.2% YoY
 18.6%
+6.0% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 27.9%
+7.3% YoY+1.4% QoQ
 +14.0% 14.0%
-5.8% YoY
 11.9%
-2.7% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Organic Growth Engine

growth
#272 of 603 • Top 14.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 4.24%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.85%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 27.95%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Wallet Share Momentum

growth
#585 of 1006 • Top 21.2% in tier

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

Why This Signature
AMR Growth (YoY): 3.96%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Relationship Depth Leader

growth
#619 of 1006 • Top 22.4% in tier

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

Why This Signature
AMR Growth (YoY): 3.96%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.6K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (5)

Liquidity Strain

risk
#10 of 258 • Bottom 1.2% in tier

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

Why This Signature
Loan-to-Share Ratio: 113.34%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 8.35%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
258 of 1077 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY

Indirect Auto Dependency

risk
#188 of 525 • Bottom 11.6% in tier

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

Why This Signature
Asset Growth (YoY): 8.39%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 27.95%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 4.24%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank improving

Growth-at-Risk

risk
#180 of 446 • Bottom 12.0% in tier

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

Why This Signature
Loan Growth (YoY): 8.35%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.16% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 1077 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | Rank improving

Credit Quality Pressure

risk
#410 of 736 • Bottom 16.5% in tier

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

Why This Signature
Delinquency Change (YoY): 0.16% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank improving

Liquidity Overhang

risk
#535 of 552 • Bottom 34.5% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 12.81%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 113.34%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 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 1077 peers in tier

Top Strengths (14 metrics)

5
Loan-to-Share Ratio
balance_sheet
Value: 113.34%
Peer Avg: 72.70%
#5 of 1077 Top 0.4% in 100M-500M tier
6
Total Loans
balance_sheet
Value: $378.71M
Peer Avg: $147.80M
#6 of 1077 Top 0.5% in 100M-500M tier
56
Total Assets
balance_sheet
Value: $444.99M
Peer Avg: $231.30M
#56 of 1077 Top 5.1% in 100M-500M tier
112
Loan-to-Member Ratio (LMR)
engagement
Value: $14,875
Peer Avg: $10,245
#112 of 1077 Top 10.3% in 100M-500M tier
132
Member Growth Rate
growth
Value: 4.24%
Peer Avg: 0.72%
#132 of 1077 Top 12.2% in 100M-500M tier
132
Total Deposits
balance_sheet
Value: $334.13M
Peer Avg: $200.29M
#132 of 1077 Top 12.2% in 100M-500M tier
135
Total Members
engagement
Value: 25,460
Peer Avg: 15,628
#135 of 1077 Top 12.4% in 100M-500M tier
165
Fee Income Per Member
profitability
Value: $241.42
Peer Avg: $174.31
#165 of 1077 Top 15.2% in 100M-500M tier
195
Deposit Growth Rate
growth
Value: 8.38%
Peer Avg: 4.69%
#195 of 1077 Top 18.0% in 100M-500M tier
197
Asset Growth Rate
growth
Value: 8.39%
Peer Avg: 4.70%
#197 of 1077 Top 18.2% in 100M-500M tier

Top Weaknesses (2 metrics)

875
Indirect Auto Concentration (%)
balance_sheet
Value: 27.95%
Peer Avg: 13.34%
#875 of 1077 Bottom 18.8% in 100M-500M tier
839
Net Charge-Off Rate
risk
Value: 0.66%
Peer Avg: 0.47%
#839 of 1077 Bottom 22.2% in 100M-500M tier