Cornerstone Community Financial
Auburn Hills, MI · Charter 68641 · Peer group: credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (n=38)
NCUA · 8 branches
Q2 2026
$470.1MAssets
$377.3MLoans
$361.8MShares
$56.6MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 82% of credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (rank 7 of 38).
- Widest gap: nonperforming loans / loans trails 66% of credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (rank 26 of 38).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.66%
Rank 24 of 38
Net Interest Margin
4.24%
Rank 7 of 38
Efficiency Ratio
72.88%
Rank 10 of 38
Equity / Assets
12.05%
Rank 23 of 38
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.66% | 0.49% | 0.78% | 1.16% | Beats 37% | 24 / 38 | |
| Return on Equity | 5.46% | 3.91% | 6.52% | 8.43% | Beats 39% | 23 / 38 | |
| Net Interest Margin | 4.24% | 3.41% | 3.65% | 4.18% | Beats 82% | 7 / 38 | |
| Efficiency Ratio | 72.88% | 72.88% | 78.35% | 82.40% | Beats 76% | 10 / 38 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.18% | 0.36% | 0.84% | 1.47% | Beats 34% | 26 / 38 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.05% | 11.22% | 12.45% | 15.29% | Beats 39% | 23 / 38 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.05% | 11.22% | 12.45% | 15.29% | Beats 39% | 23 / 38 | |
| Liquidity & Funding |
| Loans / Deposits | 104.30% | 38.40% | 54.78% | 75.62% | 97th pctl | 1 / 38 | |
| Loans / Assets | 80.27% | 32.99% | 45.72% | 63.66% | 95th pctl | 2 / 38 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |