CORNERSTONE
Charter #24977 · FAIRFIELD, CT · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.07% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 5.14% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.09% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.12% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 73.33% ranks in the 20th 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 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $66.72M | 42th pct | 34th pct |
| Members | 4,421 | 36th pct | 48th pct |
| Net worth ratio | 10.50% | 26th pct | 41th pct |
| Return on average assets | 1.07% | 68th pct | 75th pct |
| Net interest margin | 5.14% | 97th pct | 98th pct |
| Cost of funds | 0.09% | 6th pct | 8th pct |
| Loan-to-share | 65.84% | 59th pct | 46th pct |
| Delinquency 60+ days | 0.12% | 13th pct | 13th pct |
| Net charge-off ratio | 0.26% | 51th pct | 67th pct |
| Loan growth YoY | -1.76% | 48th pct | 38th pct |
| Share growth YoY | 1.09% | 30th pct | 30th pct |
| Efficiency ratio | 73.33% | 32th pct | 20th pct |
structural peer set hash: ef30181f8fe574d08ea4127057ff8cd9… (reproducible)
Closest structural peers
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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.