2016 Cornerstone Performance Report Cover

Cornerstone Performance Report for Credit Unions 2016


The Cornerstone Performance Report for Credit Unions is based on an extensive survey of 50 credit unions with assets of $500 million to more than $2 billion. The report presents a detailed analysis of credit unions’ staffing/process benchmarks and technology utilization/deployment and concludes with an example of performance improvement opportunities totaling more than $8 million.

The report, in its 10th year of publication, shows CEOs how they can pinpoint strategic initiatives by identifying potentially millions of dollars of performance improvements and cost-saving opportunities. It illustrates, for example, how a credit union with 100,000 members that moves from the 25th to the 75th percentile of performance can boost debit-related revenue by over $6 million if it improves on a few critical metrics: cards per checking account penetration, interchange revenue, and ATM income and fees.

Key benchmarking highlights of the report:

  • Credit unions were unsuccessful at driving transaction volume on cards issued, as the median number of transactions made per month declined by 73%.
  • While 75th percentile credit unions processed nearly twice as many direct consumer loan applications per month as median performers, they are still only auto-decisioning 30% of these loans.
  • The percentage of mortgage applications that are taken online at median credit unions increased from 21% to 38%. High performers are seeing 75%.
  • Delinquent consumer loans per consumer collector FTE saw a 293% increase over the reporting period.
  • Core spending declined by 9% between 2014 and 2016 following an identical drop over the previous two-year period.
  • And more…

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This price is offered exclusively to financial institutions. Upon purchase, the report will be sent to you within 24 hours during regular business hours.

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Additional information

Weight1 lbs
Dimensions11 × 8.5 in

Digital – $1495, Print – $1595