| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.3% | +3.9% | -0.6 pts |
| Share growth (YoY) | +2.5% | +3.3% | -0.8 pts |
| Loan growth (YoY) | +5.1% | +2.9% | +2.1 pts |
| ROA | 1.39% | 0.69% | +0.7 pts |
| ROE | 14.5% | 5.9% | +8.6 pts |
ROA ranks in the 86th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $178.0M | $158.9M | $101.4M | $17.0M | $618K | 1.39% | 3.18% | 1.28% | 12,352 |
| Q4 2025 | $168.8M | $150.6M | $100.8M | $16.4M | $1.0M | 0.59% | 3.28% | 1.76% | 12,235 |
| Q3 2025 | $164.5M | $146.6M | $100.5M | $16.3M | $759K | 0.61% | 3.29% | 1.40% | 12,137 |
| Q2 2025 | $168.3M | $150.7M | $98.5M | $16.1M | $596K | 0.71% | 3.13% | 1.82% | 11,990 |
| Q1 2025 | $172.3M | $155.1M | $96.5M | $15.6M | $96K | 0.22% | 2.88% | 0.29% | 9,499 |
| Q4 2024 | $163.6M | $146.7M | $95.1M | $15.5M | $774K | 0.47% | 2.81% | 0.51% | 10,307 |
| Q3 2024 | $154.0M | $137.3M | $95.7M | $15.4M | $548K | 0.47% | 2.94% | 0.45% | 10,321 |
| Q2 2024 | $153.0M | $135.7M | $95.2M | $15.3M | $451K | 0.59% | 2.92% |
| Ratio | Cornerstone Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.39% | 0.69% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 14.5% | 5.9% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.18% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.35% |
| 9,423 |
Loan mix (Q1 2026): real estate $32.4M · commercial $9.5M · consumer $55.1M · securities $32.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.1% | 78.7% | 25th |
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% |
| Ratio | Cornerstone Credit Union | 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% |
| Ratio | Cornerstone Credit Union | 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% |
| Ratio | Cornerstone Credit Union | 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% |
| Ratio | Cornerstone Credit Union | 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% |
The full ratio pack is part of CharterBench Pro.