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Cornerstone Community

Fairfield, CT · Charter 68674

NCUA · 4 branches

Q2 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Bridgeport-Stamford-Danbury, CT area3

Basis

Quarter: Q2 2025, the quarter ended June 30, 2025, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets in the Bridgeport-Stamford-Danbury, CT area (n=16). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

38

Q2 2024Q2 2025peer median (50)

Asset Quality

56

Q2 2024Q2 2025peer median (50)

Profitability

27

Q2 2024Q2 2025peer median (50)

Liquidity

49

Q2 2024Q2 2025peer median

Efficiency

25

Q2 2024Q2 2025peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Cornerstone Community

Fairfield, CT · Charter 68674

NCUA · 4 branches

Q2 2025

$69.5MAssets
$40.7MLoans
$61.5MShares
$6.7MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.23%, down 6 bps year over year; NIM at 3.39%.
  • Asset quality: problem loans at 0.60% of loans (+13 bps YoY).
  • Capital: net worth / assets of 9.58%, up 20 bps from a year ago.
  • Funding: loans stand at 66.08% of shares as of Q2 2025.

Financial Results

Return on Assets (YTD, annualized)

0.23%-6 bps YoY

Net Interest Margin (YTD, annualized)

3.39%+20 bps YoY

Efficiency Ratio (YTD, annualized)

94.00%-72 bps YoY

Net Worth / Assets

9.58%+20 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2024Q3 2024Q4 2024Q1 2025Q2 2025YoY ΔTrend
Earnings
Return on Assets0.29%0.37%0.32%0.27%0.23%-6 bps
Return on Equity3.08%3.78%3.37%2.81%2.36%-72 bps
Net Interest Margin3.19%3.45%3.40%3.38%3.39%+20 bps
Efficiency Ratio94.72%91.00%91.36%92.63%94.00%-72 bps
Growth
Asset Growth (YoY)2.03%1.33%-2.30%-1.88%-1.20%-323 bps
Loan Growth (YoY)7.74%6.15%1.89%-0.75%-3.25%-1,098 bps
Share Growth (YoY)0.21%1.82%-2.19%-1.56%-1.05%-127 bps
Asset Quality
Delinquent Loans / Loans0.47%0.65%0.59%0.62%0.60%+13 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.38%9.79%9.63%9.60%9.58%+20 bps
Net Worth / Assets9.38%9.79%9.63%9.60%9.58%+20 bps
Liquidity & Funding
Loans / Shares67.57%71.40%68.56%67.27%66.08%-150 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Cornerstone Community

Fairfield, CT · Charter 68674 · Peer group: credit unions under $1B in assets in the Bridgeport-Stamford-Danbury, CT area (n=16)

NCUA · 4 branches

Q2 2025

$69.5MAssets
$40.7MLoans
$61.5MShares
$6.7MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 56% of credit unions under $1B in assets in the Bridgeport-Stamford-Danbury, CT area (rank 8 of 16).
  • Widest gap: return on assets trails 81% of credit unions under $1B in assets in the Bridgeport-Stamford-Danbury, CT area (rank 13 of 16).
  • Overall: at or above the peer median on 1 of 7 directional measures.

Return on Assets

0.23%

Rank 13 of 16

Net Interest Margin

3.40%

Rank 10 of 16

Efficiency Ratio

93.94%

Rank 13 of 16

Equity / Assets

9.58%

Rank 10 of 16

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.23%0.38%0.85%1.61%Beats 19%13 / 16
Return on Equity2.37%2.37%7.69%10.12%Beats 25%12 / 16
Net Interest Margin3.40%3.05%4.02%4.70%Beats 38%10 / 16
Efficiency Ratio93.94%69.05%80.00%93.94%Beats 25%13 / 16
Asset Quality
Nonperforming Loans / Loans0.60%0.22%0.82%1.95%Beats 56%8 / 16
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio9.58%8.98%10.99%15.88%Beats 38%10 / 16
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets9.58%8.98%10.99%15.88%Beats 38%10 / 16
Liquidity & Funding
Loans / Deposits66.08%24.15%45.17%78.80%69th pctl5 / 16
Loans / Assets58.46%20.48%39.99%65.99%69th pctl5 / 16
Brokered Deposits / Depositsn/aNot reported for this institution