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Cornerstone

Fairfield, CT · Charter 24977

NCUA

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Bridgeport-Stamford-Danbury, CT area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets in the Bridgeport-Stamford-Danbury, CT area (n=15). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

40

Q3 2025Q2 2026peer median (50)

Asset Quality

93

Q3 2025Q2 2026peer median (50)

Profitability

75

Q3 2025Q2 2026peer median (50)

Liquidity

50

Q3 2025Q2 2026peer median

Efficiency

73

Q3 2025Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Cornerstone

Fairfield, CT · Charter 24977

NCUA

Q2 2026

$68.3MAssets
$38.8MLoans
$60.1MShares
$7.2MNet 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 1.15%; NIM at 4.95%.
  • Asset quality: problem loans at 0.22% of loans.
  • Capital: net worth / assets of 10.58%.
  • Funding: loans stand at 64.61% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.15%

Net Interest Margin (YTD, annualized)

4.95%

Efficiency Ratio (YTD, annualized)

73.86%

Net Worth / Assets

10.58%

Year to date, annualized, through each quarter.

MetricQ3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.74%0.58%1.06%1.15%n/a
Return on Equity7.00%5.57%10.11%10.88%n/a
Net Interest Margin4.15%4.05%5.10%4.95%n/a
Efficiency Ratio83.63%86.94%73.33%73.86%n/a
Growth
Asset Growth (YoY)n/an/an/an/an/an/a
Loan Growth (YoY)n/an/an/an/an/an/a
Share Growth (YoY)n/an/an/an/an/an/a
Asset Quality
Delinquent Loans / Loans1.01%0.17%0.12%0.22%n/a
Net Charge-Offs / Loansn/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%n/a
Capital
Risk-Based Capital10.51%10.38%10.50%10.58%n/a
Net Worth / Assets10.51%10.38%10.50%10.58%n/a
Liquidity & Funding
Loans / Shares67.75%67.87%65.84%64.61%n/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%n/a

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Cornerstone

Fairfield, CT · Charter 24977 · Peer group: credit unions under $1B in assets in the Bridgeport-Stamford-Danbury, CT area (n=15)

NCUA

Q2 2026

$68.3MAssets
$38.8MLoans
$60.1MShares
$7.2MNet Worth

Executive Summary

  • Strongest standing: net interest margin outperforms 93% of credit unions under $1B in assets in the Bridgeport-Stamford-Danbury, CT area (rank 1 of 15).
  • Widest gap: equity / assets trails 60% of credit unions under $1B in assets in the Bridgeport-Stamford-Danbury, CT area (rank 9 of 15).
  • Overall: at or above the peer median on 5 of 7 directional measures.

Return on Assets

1.15%

Rank 6 of 15

Net Interest Margin

4.95%

Rank 1 of 15

Efficiency Ratio

73.86%

Rank 5 of 15

Equity / Assets

10.58%

Rank 9 of 15

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.15%0.27%0.70%1.49%Beats 60%6 / 15
Return on Equity10.88%1.31%7.41%10.88%Beats 73%4 / 15
Net Interest Margin4.95%3.12%3.54%4.54%Beats 93%1 / 15
Efficiency Ratio73.86%72.95%80.00%90.09%Beats 73%5 / 15
Asset Quality
Nonperforming Loans / Loans0.22%0.37%0.80%1.65%Beats 93%2 / 15
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio10.58%8.68%11.88%17.06%Beats 40%9 / 15
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets10.58%8.68%11.88%17.06%Beats 40%9 / 15
Liquidity & Funding
Loans / Deposits64.61%19.00%41.54%81.34%67th pctl5 / 15
Loans / Assets56.86%17.30%35.64%66.97%67th pctl5 / 15
Brokered Deposits / Depositsn/aNot reported for this institution