CORNERSTONE COMMUNITY FINANCIAL
Charter #68641 · Auburn Hills, MI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 0.65% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.07% sits at the 80th percentile of structural peers — worth a closer look.
- Efficiency ratio of 71.49% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 89th percentile but its structural peers at the 51st — a 38-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 | CORNERSTONE COMMUNITY FINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $479.58M | 98th pct | 67th pct |
| Members | 25,722 | 89th pct | 51th pct |
| Net worth ratio | 11.66% | 53th pct | 54th pct |
| Return on average assets | 0.69% | 49th pct | 51th pct |
| Net interest margin | 4.14% | 78th pct | 52th pct |
| Cost of funds | 0.65% | 24th pct | 23th pct |
| Loan-to-share | 99.86% | 98th pct | 95th pct |
| Delinquency 60+ days | 1.07% | 79th pct | 80th pct |
| Net charge-off ratio | 0.94% | 87th pct | 67th pct |
| Loan growth YoY | -1.69% | 28th pct | 11th pct |
| Share growth YoY | 11.59% | 98th pct | 97th pct |
| Efficiency ratio | 71.49% | 27th pct | 25th pct |
structural peer set hash: 5de8a1e3ef398e49bd5a21accf542543… (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.