MCDOWELL CORNERSTONE
Charter #60149 · MARION, NC · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.29% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.37% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.34% sits at the 84th percentile of structural peers — worth a closer look.
- Efficiency ratio of 62.60% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 76th percentile but its structural peers at the 41st — a 35-point gap showing why the peer definition matters.
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 | MCDOWELL CORNERSTONE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $37.15M | 76th pct | 41th pct |
| Members | 2,687 | 67th pct | 51th pct |
| Net worth ratio | 17.91% | 76th pct | 61th pct |
| Return on average assets | 1.29% | 79th pct | 80th pct |
| Net interest margin | 4.03% | 59th pct | 69th pct |
| Cost of funds | 0.37% | 24th pct | 13th pct |
| Loan-to-share | 73.82% | 75th pct | 46th pct |
| Delinquency 60+ days | 0.88% | 64th pct | 72th pct |
| Net charge-off ratio | 0.34% | 65th pct | 84th pct |
| Loan growth YoY | -4.30% | 36th pct | 15th pct |
| Share growth YoY | -0.54% | 23th pct | 21th pct |
| Efficiency ratio | 62.60% | 14th pct | 13th pct |
structural peer set hash: 5104261877845b45718fe1923bfcbd28… (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.