Cornerstone Community

LOCKPORT, NY · 1 · Charter #11723 · www.ccfcu.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$713.4M
79th percentile
Members
44,033
80th percentile
Total loans
$482.2M
78th percentile
Total shares
$631.6M
83th percentile

Profitability

Return on assets
0.53%
21th percentile
Net interest margin
3.53%
56th percentile
Efficiency ratio
69.49%
12th percentile
Non-interest income ratio
17.28%
39th percentile

Capital & Risk

Net worth ratio
7.49%
2th percentile
Delinquency rate
1.63%
9th percentile
Net charge-off rate
0.15%
83th percentile
Loan-to-share
76.35%
39th percentile

Growth

Member growth YoY
2.27%
70th percentile
Asset growth YoY
7.56%
69th percentile
Loan growth YoY
7.89%
71th percentile
Share growth YoY
7.16%
72th percentile

Operations

Members / branch
6,290
76th percentile
Assets / member
$16,201
51th percentile
Field of membership penetration
3.83%
47th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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