McDowell Cornerstone

MARION, NC · 2 · Charter #60149 · WWW.MCDOWELLCORNERSTONE.COM
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
$37.5M
87th percentile
Members
2,670
79th percentile
Total loans
$22.5M
92th percentile
Total shares
$30.4M
85th percentile

Profitability

Return on assets
1.36%
74th percentile
Net interest margin
3.77%
42th percentile
Efficiency ratio
58.55%
68th percentile
Non-interest income ratio
11.91%
59th percentile

Capital & Risk

Net worth ratio
17.42%
63th percentile
Delinquency rate
0.84%
46th percentile
Net charge-off rate
0.19%
52th percentile
Loan-to-share
74.26%
69th percentile

Growth

Member growth YoY
-2.45%
39th percentile
Asset growth YoY
3.73%
67th percentile
Loan growth YoY
-1.62%
56th percentile
Share growth YoY
1.99%
58th percentile

Operations

Members / branch
2,670
88th percentile
Assets / member
$14,046
81th percentile
Field of membership penetration
5.93%
19th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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