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
$68.3M Assets
$38.8M Loans
$60.1M Shares
$7.2M Net 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
Metric Your Credit Union Peer 25th Peer Median Peer 75th Standing Rank 8-Qtr Trend Peer Position Earnings Return on Assets 1.15% 0.27% 0.70% 1.49% Beats 60% 6 / 15 Return on Equity 10.88% 1.31% 7.41% 10.88% Beats 73% 4 / 15 Net Interest Margin 4.95% 3.12% 3.54% 4.54% Beats 93% 1 / 15 Efficiency Ratio 73.86% 72.95% 80.00% 90.09% Beats 73% 5 / 15 Asset Quality Nonperforming Loans / Loans 0.22% 0.37% 0.80% 1.65% Beats 93% 2 / 15 Net Charge-Offs / Loans n/a Not reported for this institution Capital Tier 1 Capital Ratio 10.58% 8.68% 11.88% 17.06% Beats 40% 9 / 15 Total Risk-Based Capital Ratio n/a Not reported for this institution Equity / Assets 10.58% 8.68% 11.88% 17.06% Beats 40% 9 / 15 Liquidity & Funding Loans / Deposits 64.61% 19.00% 41.54% 81.34% 67th pctl 5 / 15 Loans / Assets 56.86% 17.30% 35.64% 66.97% 67th pctl 5 / 15 Brokered Deposits / Deposits n/a Not reported for this institution
Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Peer statistics computed across credit unions under $1B in assets in the Bridgeport-Stamford-Danbury, CT area; percentile is the share of peers with a lower reported value. Each ratio is ranked only among the institutions that reported it, so the denominator in the Rank column varies by measure. Income-statement figures on this page are year-to-date as filed, annualized, because the peer percentiles are computed on that basis. Performance Trends defaults to the discrete quarter, so the same measure can read differently there in any quarter but the first, where year-to-date and the quarter cover the same period. Peer comparisons use ratios standardized identically across all institutions and can differ from as-filed figures. Subchapter S banks are restated to an after-tax equivalent at 21.50%, the median effective tax rate of the 2,758 C-corporation banks filing for this quarter. The rate is recomputed each quarter, and C-corporation figures are unchanged. Peer groups below the disclosure floor are suppressed.
CallReports · callreports.ai · Peer Comparison Generated 2026-10-11