PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Cornerstone Community

Lockport, NY · Charter 11723

NCUA · 6 branches

Q2 2026

$730.2MAssets
$507.9MLoans
$671.9MShares
$55.6MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.59%, up 49 bps year over year; NIM at 3.70%.
  • Asset quality: problem loans at 2.04% of loans (+176 bps YoY).
  • Capital: net worth / assets of 7.62%, up 21 bps from a year ago.
  • Funding: loans stand at 75.60% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.59%+49 bps YoY

Net Interest Margin (YTD, annualized)

3.70%+30 bps YoY

Efficiency Ratio (YTD, annualized)

87.21%+122 bps YoY

Net Worth / Assets

7.62%+21 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.09%0.17%0.20%0.48%0.59%+49 bps
Return on Equity1.23%2.34%2.65%6.36%7.68%+646 bps
Net Interest Margin3.40%3.51%3.53%3.63%3.70%+30 bps
Efficiency Ratio85.98%85.48%86.71%89.04%87.21%+122 bps
Growth
Asset Growth (YoY)11.74%8.83%7.56%4.83%3.30%-844 bps
Loan Growth (YoY)15.80%9.66%7.89%8.28%7.20%-860 bps
Share Growth (YoY)11.54%9.05%6.80%4.02%2.61%-893 bps
Asset Quality
Delinquent Loans / Loans0.27%0.40%1.63%1.42%2.04%+176 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital7.41%7.47%7.49%7.48%7.62%+21 bps
Net Worth / Assets7.41%7.47%7.49%7.48%7.62%+21 bps
Liquidity & Funding
Loans / Shares72.36%72.15%73.36%73.21%75.60%+323 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps