CORNERSTONE COMMUNITY
Charter #11723 · LOCKPORT, NY · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 7.61% sits at the 5th percentile of structural peers — worth a closer look.
- Net interest margin of 3.66% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.15% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.42% sits at the 84th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.17% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | CORNERSTONE COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $725.92M | 53th pct | 44th pct |
| Members | 44,162 | 58th pct | 46th pct |
| Net worth ratio | 7.61% | 3th pct | 5th pct |
| Return on average assets | 0.48% | 36th pct | 46th pct |
| Net interest margin | 3.66% | 65th pct | 80th pct |
| Cost of funds | 1.15% | 29th pct | 25th pct |
| Loan-to-share | 73.21% | 30th pct | 21th pct |
| Delinquency 60+ days | 1.42% | 94th pct | 84th pct |
| Net charge-off ratio | 0.17% | 17th pct | 23th pct |
| Loan growth YoY | 3.68% | 80th pct | 85th pct |
| Share growth YoY | 2.18% | 24th pct | 33th pct |
| Efficiency ratio | 89.04% | 88th pct | 79th pct |
structural peer set hash: d46a4143e9851add53f49936f9e0490b… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.