Corner Stone

lancaster, TX · 2 · Charter #68011 · www.cornerstonecreditunion.n
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$20.1M
62th percentile
Members
3,341
89th percentile
Total loans
$12.9M
73th percentile
Total shares
$17.9M
64th percentile

Profitability

Return on assets
1.00%
59th percentile
Net interest margin
5.53%
91th percentile
Efficiency ratio
81.76%
21th percentile
Non-interest income ratio
29.28%
94th percentile

Capital & Risk

Net worth ratio
9.80%
14th percentile
Delinquency rate
0.43%
60th percentile
Net charge-off rate
1.01%
17th percentile
Loan-to-share
72.04%
66th percentile

Growth

Member growth YoY
-6.26%
12th percentile
Asset growth YoY
-2.05%
29th percentile
Loan growth YoY
-2.39%
53th percentile
Share growth YoY
-2.86%
30th percentile

Operations

Members / branch
1,671
69th percentile
Assets / member
$6,003
23th percentile
Field of membership penetration
66.82%
82th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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