CORNER STONE
Charter #68011 · lancaster, TX · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.03% sits at the 13th percentile of structural peers — worth a closer look.
- Return on average assets of -0.71% sits at the 8th percentile of structural peers — worth a closer look.
- Net interest margin of 5.12% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.73% sits at the 92nd percentile of structural peers — worth a closer look.
- Efficiency ratio of 101.66% sits at the 84th 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 | CORNER STONE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $20.57M | 37th pct | 31th pct |
| Members | 3,333 | 82th pct | 74th pct |
| Net worth ratio | 9.03% | 10th pct | 13th pct |
| Return on average assets | -0.71% | 8th pct | 8th pct |
| Net interest margin | 5.12% | 93th pct | 92th pct |
| Cost of funds | 0.57% | 37th pct | 38th pct |
| Loan-to-share | 67.60% | 67th pct | 69th pct |
| Delinquency 60+ days | 0.85% | 63th pct | 52th pct |
| Net charge-off ratio | 1.73% | 94th pct | 92th pct |
| Loan growth YoY | -2.85% | 47th pct | 43th pct |
| Share growth YoY | 0.58% | 31th pct | 30th pct |
| Efficiency ratio | 101.66% | 90th pct | 84th pct |
structural peer set hash: b62cb71261c2df8f8762c5f258c74f72… (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.