Corner Stone Lancaster, TX · Charter 68011 · Peer group: credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=60)
NCUA · 2 branches
Q2 2026
$20.0M Assets
$12.2M Loans
$17.8M Shares
$1.9M Net Worth
Executive Summary Strongest standing: net interest margin outperforms 92% of credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 5 of 60). Widest gap: equity / assets trails 87% of credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 52 of 60). Overall: at or above the peer median on 2 of 7 directional measures. Return on Assets
-0.20%
Rank 50 of 60
Net Interest Margin
5.33%
Rank 5 of 60
Efficiency Ratio
96.75%
Rank 52 of 60
Equity / Assets
9.39%
Rank 52 of 60
Metric Your Credit Union Peer 25th Peer Median Peer 75th Standing Rank Peer Position Earnings Return on Assets -0.20% 0.02% 0.62% 0.99% Beats 17% 50 / 60 Return on Equity -2.13% 0.12% 4.17% 8.32% Beats 17% 50 / 60 Net Interest Margin 5.33% 3.36% 3.95% 4.45% Beats 92% 5 / 60 Efficiency Ratio 96.75% 70.09% 78.52% 92.77% Beats 15% 52 / 60 Asset Quality Nonperforming Loans / Loans 0.54% 0.25% 0.82% 1.91% Beats 68% 20 / 60 Net Charge-Offs / Loans n/a Not reported for this institution Capital Tier 1 Capital Ratio 9.39% 11.15% 14.35% 19.86% Beats 13% 52 / 60 Total Risk-Based Capital Ratio n/a Not reported for this institution Equity / Assets 9.39% 11.15% 14.35% 19.86% Beats 13% 52 / 60 Liquidity & Funding Loans / Deposits 68.26% 51.31% 60.45% 81.20% 60th pctl 24 / 60 Loans / Assets 60.90% 41.11% 52.43% 68.66% 65th pctl 21 / 60 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 Dallas-Fort Worth-Arlington, TX 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