BlastPoint's Credit Union Scorecard
COLLINS COMMUNITY
Charter #62969 · IA
COLLINS COMMUNITY faces 13 concerns requiring attention
How does the industry compare?
What's your peer group doing?
How does IA stack up?
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
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 95.7% 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
|
43% |
| 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
|
52% |
| 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
|
53% |
| 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
|
53% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| 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
|
84% |
| 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
|
42% |
| 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
|
64% |
| CD Concentration |
26.1%
-12.5% YoY-2.7% QoQ
|
-2.9% |
29.0%
+0.7% YoY
|
22.0%
+1.0% YoY
|
19.6%
+6.2% YoY
|
38% |
| Indirect Auto % |
6.3%
+96.7% YoY-3.3% QoQ
|
-12.5% |
18.8%
-3.0% YoY
|
9.3%
-2.2% YoY
|
7.9%
-2.9% YoY
|
27% |
Signature Analysis
Strengths (0)
Concerns (4)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
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)