CORNERSTONE
Charter #60189 · Freeport, IL · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.56% sits at the 11th percentile of structural peers — worth a closer look.
- Return on average assets of 1.43% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.91% sits at the 92nd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.28% sits at the 90th percentile of structural peers — worth a closer look.
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 | $177.96M | 43th pct | 44th pct |
| Members | 12,352 | 46th pct | 49th pct |
| Net worth ratio | 9.56% | 21th pct | 11th pct |
| Return on average assets | 1.43% | 86th pct | 82th pct |
| Net interest margin | 3.26% | 26th pct | 28th pct |
| Cost of funds | 1.91% | 85th pct | 92th pct |
| Loan-to-share | 63.83% | 33th pct | 41th pct |
| Delinquency 60+ days | 1.28% | 85th pct | 90th pct |
| Net charge-off ratio | 0.19% | 30th pct | 31th pct |
| Loan growth YoY | 0.95% | 56th pct | 49th pct |
| Share growth YoY | 8.38% | 93th pct | 85th pct |
| Efficiency ratio | 70.07% | 25th pct | 31th pct |
structural peer set hash: f2250963d70140116f8556b0de52d9e9… (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.