COLLINS COMMUNITY

Charter #62969 | IA

1B-3B (304 CUs) Mid-Market (380 CUs)
3 1B-3B in IA

COLLINS COMMUNITY has 1 strength but faces 13 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 32.9% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 0.4% in tier
  • - Shrinking Wallet Share: Bottom 9.6% in tier
  • - Efficiency Drag: Bottom 12.8% in tier
  • - Deposit Outflow: Bottom 18.0% in tier
  • - ROA 0.61% below tier average
  • - Efficiency ratio 8.59% above tier (higher cost structure)
  • - Delinquency rate 1.73% above tier average
  • - Total Delinquency Rate (60+ days): Bottom 2.0% in tier
  • - Net Worth Ratio: Bottom 2.0% in tier
  • - Asset Growth Rate: Bottom 3.6% in tier
  • - Loan Growth Rate: Bottom 4.6% in tier
  • - Net Interest Margin (NIM): Bottom 5.3% in tier
  • - AMR Growth Rate: Bottom 7.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Members 82,127
-0.1% YoY+0.7% QoQ
 -16.6K 98,678
-1.9% YoY
 24,664
+0.3% YoY
 33,089
+6.1% YoY
 43rd in tier
Assets $1.5B
-6.6% YoY-2.0% QoQ
 $-173.0M $1.7B
+0.5% YoY
 $515.3M
+7.1% YoY
 $547.7M
+7.8% YoY
 52nd in tier
Loans $1.1B
-7.3% YoY-2.9% QoQ
 $-92.3M $1.2B
+0.5% YoY
 $418.6M
+8.3% YoY
 $388.7M
+8.6% YoY
 53rd in tier
Deposits $1.3B
-1.7% YoY-0.7% QoQ
 $-118.1M $1.5B
+1.3% YoY
 $421.4M
+6.5% YoY
 $464.6M
+9.3% YoY
 53rd in tier
ROA 0.1%
-79.0% YoY-70.5% QoQ
 -0.6% 0.7%
+13.4% YoY
 1.0%
+0.3% YoY
 0.7%
+273.4% YoY
 Bottom 6.2% in tier
NIM 2.2%
+21.7% YoY+4.2% QoQ
 -1.0% 3.3%
+9.3% YoY
 3.8%
+3.9% YoY
 3.7%
+5.0% YoY
 Bottom 4.9% in tier
Efficiency Ratio 82.6%
+1.0% YoY+0.1% QoQ
 +8.6% 74.0%
-10.9% YoY
 72.0%
+0.4% YoY
 79.1%
-3.3% YoY
 Top 16.1% in tier
Delinquency Rate 2.6%
+142.7% YoY+12.6% QoQ
 +1.7 0.8%
+6.1% YoY
 1.2%
-5.8% YoY
 1.2%
-0.9% YoY
 Top 2.0% in tier
Loan To Share 85.4%
-5.7% YoY-2.2% QoQ
 +0.2% 85.2%
-0.8% YoY
 77.1%
-1.2% YoY
 68.0%
-1.7% YoY
 42nd in tier
AMR $30,160
-4.3% YoY-2.4% QoQ
 +$988 $29,172
+2.8% YoY
 $20,702
+4.3% YoY
 $19,418
+1.3% YoY
 64th in tier
CD Concentration 26.1%
-12.5% YoY-2.7% QoQ
 -2.9% 29.0%
+0.8% YoY
 22.0%
+1.0% YoY
 19.6%
+6.2% YoY
 38th in tier
Indirect Auto % 6.3%
+96.7% YoY-3.3% QoQ
 -12.5% 18.8%
-2.8% YoY
 9.3%
-2.2% YoY
 7.9%
-2.9% YoY
 27th in tier

Signature Analysis

Strengths (1)

Emerging Performer

growth
#175 of 184 • Top 32.9% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.10%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): -0.11%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | Rank worsening

Concerns (4)

Credit Quality Pressure

risk
#4 of 217 • Bottom 0.4% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 1.50% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank improving

Shrinking Wallet Share

decline
#30 of 83 • Bottom 9.6% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -4.27%
(Tier: 3.04%, National: 4.19%)
worse than tier avg
83 of 380 Mid-Market CUs have this signature | 346 nationally
↓ Shrinking -55 CUs YoY | New qualifier

Efficiency Drag

risk
#43 of 96 • Bottom 12.8% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 82.56%
(Tier: 73.45%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.36% points
(Tier: 0.07% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): -0.11%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
96 of 380 Mid-Market CUs have this signature | 624 nationally
↓ Shrinking -32 CUs YoY | Rank improving

Deposit Outflow

decline
#23 of 25 • Bottom 18.0% in tier

Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.

Why This Signature
Deposit Growth (YoY): -1.73%
(Tier: 6.24%, National: 12.00%)
worse than tier avg
Total Assets: $1.55B
(Tier: $1.72B, National: $547.69M)
worse than tier avg
25 of 380 Mid-Market CUs have this signature | 143 nationally
↓ Shrinking -42 CUs YoY | New qualifier

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 304 peers in tier

Top Strengths (1 metrics)

66
Fee Income Per Member
profitability
Value: $256.64
Peer Avg: $210.52
#66 of 304 Top 21.4% in 1B-3B tier

Top Weaknesses (9 metrics)

299
Total Delinquency Rate (60+ days)
risk
Value: 2.55%
Peer Avg: 0.83%
#299 of 304 Bottom 2.0% in 1B-3B tier
299
Net Worth Ratio
risk
Value: 7.85%
Peer Avg: 11.44%
#299 of 304 Bottom 2.0% in 1B-3B tier
294
Asset Growth Rate
growth
Value: -6.62%
Peer Avg: 4.83%
#294 of 304 Bottom 3.6% in 1B-3B tier
291
Loan Growth Rate
growth
Value: -7.30%
Peer Avg: 5.27%
#291 of 304 Bottom 4.6% in 1B-3B tier
289
Net Interest Margin (NIM)
profitability
Value: 2.22%
Peer Avg: 3.26%
#289 of 304 Bottom 5.3% in 1B-3B tier
285
Return on Assets (ROA)
profitability
Value: 0.10%
Peer Avg: 0.70%
#285 of 304 Bottom 6.6% in 1B-3B tier
281
AMR Growth Rate
growth
Value: -4.27%
Peer Avg: 3.29%
#281 of 304 Bottom 7.9% in 1B-3B tier
274
Deposit Growth Rate
growth
Value: -1.73%
Peer Avg: 5.58%
#274 of 304 Bottom 10.2% in 1B-3B tier
256
Efficiency Ratio
profitability
Value: 82.56%
Peer Avg: 73.97%
#256 of 304 Bottom 16.1% in 1B-3B tier