March 16, 2015

Cornerstone

Change

AR

OK

TX

<$50M

$50M - $250M

$250M - $1B

>$1B

MRQ[1]

YE[2]

MRQ/YE

MRQ

MRQ

MRQ

MRQ

Demographic Information

Number of CUs

613

613

0.00%

60

65

488

397

137

58

21

Average Assets per CU ($000)

$167,877

$167,877

0.00%

$44,668

$195,729

$179,316

$15,370

$113,038

$514,045

$2,452,656

Median Assets per CU ($000)

$25,110

$25,110

0.00%

$10,443

$34,652

$25,192

$11,177

$100,210

$486,954

$1,774,875

Total Assets ($000)

$102,908,473

$102,908,473

0.00%

$2,680,060

$12,722,402

$87,506,011

$6,101,965

$15,486,154

$29,814,585

$51,505,769

Total Loans ($000)

$67,626,634

$67,626,634

0.00%

$1,706,557

$7,793,922

$58,126,155

$3,196,830

$9,474,308

$19,097,043

$35,858,453

Total Savings ($000)

$88,367,657

$88,367,657

0.00%

$2,160,251

$10,814,104

$75,393,302

$5,234,467

$13,622,908

$25,816,004

$43,694,278

Total Members

9,780,215

9,780,215

0.00%

331,264

1,173,905

8,275,046

900,170

1,737,519

2,839,447

4,303,079

Total Employees

27,324

27,324

0.00%

809

3,224

23,291

2,448

5,422

8,800

10,654

Key Ratio Information

Net Worth

13.51

13.51

0.00%

15.45

11.65

13.52

14.96

11.00

10.80

9.64

Delinquency

1.24%

1.24%

0.00%

1.62%

1.41%

1.17%

1.51%

0.80%

0.67%

0.70%

Net Charge Offs

0.73%

0.53%

37.72%

0.46%

0.61%

0.78%

0.82%

0.57%

0.62%

0.48%

Return on Average Assets

0.65%

0.72%

-9.59%

0.44%

0.41%

0.63%

0.20%

0.69%

0.68%

0.68%

Asset Yield

3.43%

3.33%

3.14%

3.28%

3.39%

3.44%

3.59%

3.68%

3.54%

3.28%

Cost of Funds

0.57%

0.55%

4.79%

0.56%

0.54%

0.58%

0.38%

0.39%

0.50%

0.69%

Gross Spread

2.86

2.78

2.81%

2.72

2.85

2.87

3.21

3.28

3.04

2.59

 

[1] MRQ = Most Recent Quarter

[2] YE = Year End