McDowell Cornerstone
Marion, NC · Charter 60149 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$38.3MAssets
$22.4MLoans
$30.9MShares
$6.8MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 86% of credit unions under $1B in assets (rank 233 of 1682).
- Widest gap: nonperforming loans / loans trails 90% of credit unions under $1B in assets (rank 1508 of 1682).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.31%
Rank 345 of 1,683
Net Interest Margin
3.90%
Rank 763 of 1,683
Efficiency Ratio
62.54%
Rank 233 of 1,682
Equity / Assets
17.72%
Rank 344 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.31% | 0.35% | 0.74% | 1.18% | Beats 80% | 345 / 1,683 | |
| Return on Equity | 7.37% | 2.67% | 5.89% | 8.74% | Beats 64% | 599 / 1,681 | |
| Net Interest Margin | 3.90% | 3.31% | 3.82% | 4.32% | Beats 55% | 763 / 1,683 | |
| Efficiency Ratio | 62.54% | 68.91% | 78.20% | 86.93% | Beats 86% | 233 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.53% | 0.26% | 0.65% | 1.29% | Beats 10% | 1,508 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 17.72% | 10.44% | 12.89% | 16.53% | Beats 80% | 344 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 17.72% | 10.44% | 12.89% | 16.53% | Beats 80% | 344 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 72.64% | 52.61% | 69.38% | 83.50% | 56th pctl | 739 / 1,683 | |
| Loans / Assets | 58.60% | 44.71% | 59.18% | 70.72% | 49th pctl | 863 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |