Cornerstone Community Financial Credit Union
Total assets
$479.6M
▲ +9.6% YoY
Shares & deposits
$372.9M
▲ +11.2% YoY
Loans
$372.3M
▲ +0.6% YoY
Members
25,722
▲ +2.7% YoY
ROA (annualized)
0.68%
peers 0.69%
ROE (annualized)
5.87%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.6% | +3.9% | +5.7 pts |
| Share growth (YoY) | +11.2% | +3.3% | +7.9 pts |
| Loan growth (YoY) | +0.7% | +2.9% | -2.3 pts |
| ROA | 0.68% | 0.69% | -0.0 pts |
| ROE | 5.9% | 5.9% | -0.1 pts |
ROA ranks in the 49th percentile of its peer group · Q1 2026
Profile
- Established
- 1951
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- 2955 University Dr, Auburn Hills, MI, 48326
- NCUA charter #
- 68641
- RSSD ID
- 271088
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $479.6M | $372.9M | $372.3M | $55.9M | $820K | 0.68% | 4.08% | 1.07% | 25,722 |
| Q4 2025 | $467.2M | $361.7M | $376.4M | $55.1M | $3.9M | 0.83% | 3.92% | 1.05% | 25,607 |
| Q3 2025 | $445.0M | $334.1M | $378.7M | $54.6M | $2.8M | 0.85% | 4.04% | 0.85% | 25,460 |
| Q2 2025 | $442.6M | $339.3M | $375.6M | $55.3M | $1.5M | 0.69% | 3.97% | 0.67% | 25,210 |
| Q1 2025 | $437.7M | $335.2M | $369.9M | $52.5M | $731K | 0.67% | 3.91% | 0.61% | 25,054 |
| Q4 2024 | $425.0M | $323.2M | $361.2M | $51.8M | $2.3M | 0.54% | 3.67% | 0.70% | 24,772 |
| Q3 2024 | $410.6M | $308.3M | $349.5M | $51.9M | $1.9M | 0.61% | 3.77% | 0.69% | 24,424 |
| Q2 2024 | $416.7M | $322.8M | $337.3M | $51.6M | $1.6M | 0.75% | 3.69% | 0.58% | 24,124 |
Loan mix (Q1 2026): real estate $83.7M · commercial $58.3M · consumer $216.4M · securities $9.4M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.68% | 0.69% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 5.9% | 5.9% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.08% | 3.62% | 78th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.5% | 78.7% | 27th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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