Cornerstone
Freeport, IL · Charter 60189 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$176.6MAssets
$105.6MLoans
$157.2MShares
$17.6MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 95% of credit unions under $1B in assets (rank 77 of 1681).
- Widest gap: equity / assets trails 80% of credit unions under $1B in assets (rank 1352 of 1683).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
1.36%
Rank 313 of 1,683
Net Interest Margin
3.36%
Rank 1,230 of 1,683
Efficiency Ratio
70.72%
Rank 489 of 1,682
Equity / Assets
9.97%
Rank 1,352 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.36% | 0.35% | 0.74% | 1.18% | Beats 81% | 313 / 1,683 | |
| Return on Equity | 13.64% | 2.67% | 5.89% | 8.74% | Beats 95% | 77 / 1,681 | |
| Net Interest Margin | 3.36% | 3.31% | 3.82% | 4.32% | Beats 27% | 1,230 / 1,683 | |
| Efficiency Ratio | 70.72% | 68.91% | 78.20% | 86.93% | Beats 71% | 489 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.50% | 0.26% | 0.65% | 1.29% | Beats 21% | 1,322 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.97% | 10.44% | 12.89% | 16.53% | Beats 20% | 1,352 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.97% | 10.44% | 12.89% | 16.53% | Beats 20% | 1,352 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 67.17% | 52.61% | 69.38% | 83.50% | 46th pctl | 914 / 1,683 | |
| Loans / Assets | 59.81% | 44.71% | 59.18% | 70.72% | 51st pctl | 819 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |