BlastPoint's Credit Union Scorecard
COLLINS COMMUNITY
Charter #62969 · IA
COLLINS COMMUNITY faces 8 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 1.6% in tier
- - Efficiency Drag: Bottom 4.4% in tier
- - Institutional Decline: Bottom 58.5% in tier
- - Stagnation Risk: Bottom 77.9% in tier
- - Membership Headwinds: Bottom 77.9% in tier
- - Accelerating Exit Risk: Bottom 77.9% in tier
- - Shrinking Wallet Share: Bottom 81.3% in tier
- - ROA 0.63% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
81,134
-0.8% YoY-0.9% QoQ
|
-14.9K |
96,048
-2.7% YoY
|
24,966
+0.1% YoY
|
33,913
+5.7% YoY
|
44% |
| Assets |
$1.5B
-4.5% YoY+1.4% QoQ
|
$-175.5M |
$1.7B
+0.4% YoY
|
$536.2M
+6.4% YoY
|
$578.3M
+9.0% YoY
|
52% |
| Loans |
$1.1B
-3.4% YoY+0.1% QoQ
|
$-84.2M |
$1.2B
+0.2% YoY
|
$422.1M
+5.8% YoY
|
$402.4M
+8.7% YoY
|
53% |
| Deposits |
$1.4B
-0.1% YoY+2.2% QoQ
|
$-75.8M |
$1.5B
+0.5% YoY
|
$445.2M
+6.5% YoY
|
$494.3M
+9.1% YoY
|
55% |
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| ROA |
0.1%
-74.5% YoY
|
-0.6% |
0.7%
+27.6% YoY
|
0.9%
+9.6% YoY
|
0.4%
-39.2% YoY
|
Bottom 6.5% in tier |
| NIM |
2.3%
+8.8% YoY-2.0% QoQ
|
-1.1% |
3.4%
+6.2% YoY
|
3.8%
+3.9% YoY
|
3.8%
+4.1% YoY
|
Bottom 4.2% in tier |
| Efficiency Ratio |
90.4%
+0.4% YoY+9.6% QoQ
|
+15.8% |
74.6%
-3.0% YoY
|
75.3%
-1.6% YoY
|
84.6%
+2.8% YoY
|
Bottom 4.6% in tier |
| Delinquency Rate |
2.5%
+126.1% YoY-6.1% QoQ
|
+1.8 |
0.8%
+6.9% YoY
|
1.1%
-19.0% YoY
|
1.2%
+3.4% YoY
|
Bottom 2.3% in tier |
| Loan To Share |
81.3%
-3.2% YoY-2.1% QoQ
|
-1.9% |
83.2%
-0.4% YoY
|
74.3%
-0.3% YoY
|
65.6%
-1.4% YoY
|
38% |
| AMR |
$31,050
-0.8% YoY+2.2% QoQ
|
+$1K |
$29,652
+2.3% YoY
|
$21,379
+4.7% YoY
|
$19,920
+1.6% YoY
|
65% |
| CD Concentration |
23.7%
-12.2% YoY-6.2% QoQ
|
-5.2% | 28.8% | 21.8% | 19.8% | 27% |
| Indirect Auto % |
6.1%
+20.2% YoY+7.2% QoQ
|
-11.9% | 18.1% | 9.2% | 7.7% | 28% |
Signature Analysis
Strengths (0)
Concerns (7)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
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)