Cornerstone Community
Lockport, NY · Charter 11723 · Peer group: credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (n=60)
NCUA · 6 branches
Q2 2026
$730.2MAssets
$507.9MLoans
$671.9MShares
$55.6MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 63% of credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (rank 22 of 60).
- Widest gap: equity / assets trails 98% of credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (rank 59 of 60).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.59%
Rank 41 of 60
Net Interest Margin
3.70%
Rank 25 of 60
Efficiency Ratio
87.21%
Rank 44 of 60
Equity / Assets
7.62%
Rank 59 of 60
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.59% | 0.35% | 0.84% | 1.37% | Beats 32% | 41 / 60 | |
| Return on Equity | 7.68% | 2.76% | 6.36% | 10.04% | Beats 63% | 22 / 60 | |
| Net Interest Margin | 3.70% | 3.02% | 3.63% | 4.05% | Beats 58% | 25 / 60 | |
| Efficiency Ratio | 87.21% | 67.68% | 77.48% | 89.33% | Beats 28% | 44 / 60 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.04% | 0.32% | 0.64% | 1.44% | Beats 17% | 51 / 60 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 7.62% | 10.72% | 13.16% | 17.68% | Beats 2% | 59 / 60 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 7.62% | 10.72% | 13.16% | 17.68% | Beats 2% | 59 / 60 | |
| Liquidity & Funding |
| Loans / Deposits | 75.59% | 43.79% | 55.03% | 72.55% | 85th pctl | 9 / 60 | |
| Loans / Assets | 69.56% | 36.50% | 47.22% | 58.67% | 88th pctl | 7 / 60 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |