PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Cornerstone Community

Fairfield, CT · Charter 68674

NCUA · 4 branches

Q2 2025

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

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.

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.

MetricQ3 2023Q4 2023Q1 2024Q2 2024Q3 2024Q4 2024Q1 2025Q2 2025YoY ΔTrend
Earnings
Return on Assets0.96%0.86%0.41%0.29%0.37%0.32%0.27%0.23%-6 bps
Return on Equity9.91%9.25%4.40%3.08%3.78%3.37%2.81%2.36%-72 bps
Net Interest Margin3.65%3.59%3.17%3.19%3.45%3.40%3.38%3.39%+20 bps
Efficiency Ratio78.50%80.07%92.00%94.72%91.00%91.36%92.63%94.00%-72 bps
Growth
Asset Growth (YoY)-2.92%1.06%0.26%2.03%1.33%-2.30%-1.88%-1.20%-323 bps
Loan Growth (YoY)8.65%6.18%7.07%7.74%6.15%1.89%-0.75%-3.25%-1,098 bps
Share Growth (YoY)-7.63%-0.55%-2.12%0.21%1.82%-2.19%-1.56%-1.05%-127 bps
Asset Quality
Delinquent Loans / Loans0.41%0.55%0.55%0.47%0.65%0.59%0.62%0.60%+13 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.67%9.30%9.34%9.38%9.79%9.63%9.60%9.58%+20 bps
Net Worth / Assets9.67%9.30%9.34%9.38%9.79%9.63%9.60%9.58%+20 bps
Liquidity & Funding
Loans / Shares68.49%65.81%66.72%67.57%71.40%68.56%67.27%66.08%-150 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps