BlastPoint's Credit Union Scorecard

COLLINS COMMUNITY

Charter #62969 · IA

Mid-Market 1B-3B

Collins at VentureTech 2026 · Fort Worth

YOU MADE THE SET.

Collins is one of 101 credit unions in the 2026 VentureTech card set. We also found Collins's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.

2026 CU
CARD SET

VENTURETECH EDITION

Collins

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COLLINS
PEER · AT VENTURETECH
PEER · AT VENTURETECH
COLLINS'S BIGGEST OPPORTUNITY

300 CUs in 1B-3B nationally 3 in IA

View Mid-Market leaderboard →

COLLINS COMMUNITY at a glance

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

IA Analysis

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

- Efficiency Drag: Bottom 2.4% in tier
- Credit Quality Pressure: Bottom 20.4% in tier
- Shrinking Wallet Share: Bottom 87.9% in tier
- Deposit Outflow: Bottom 93.3% in tier
- ROA 0.65% below tier average
- Efficiency ratio 18.09% above tier (higher cost structure)
- Delinquency rate 1.61% above tier average
- Net Worth Ratio: Bottom 1.3% in tier

WORLD 1 · VENTURETECH

The real pack is waiting in Fort Worth

1 CLEAR Your card arrived By email from Collier at BlastPoint
2 YOU ARE HERE Open your pack Right here on your Scorecard
3 BOSS LEVEL Grab the real pack At the BlastPoint booth
4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report

ADMIT ONE · PLAYER 1

Your printed pack

Where: The BlastPoint booth, Omni Fort Worth
Expo hall: Mon Nov 16 and Tue Nov 17

Pick a time to meet

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Members	81,267 -0.4% YoY+0.2% QoQ	-15.6K	96,861 -1.9% YoY	24,364 -0.3% YoY	34,678 +6.6% YoY	43%
Assets	$1.5B -3.2% YoY-1.1% QoQ	$-197.0M	$1.7B +0.4% YoY	$535.9M +4.3% YoY	$593.1M +10.2% YoY	51%
Loans	$1.1B -3.4% YoY+0.4% QoQ	$-99.9M	$1.2B +0.7% YoY	$432.7M +4.7% YoY	$418.6M +10.1% YoY	50%
Deposits	$1.3B -1.5% YoY-4.6% QoQ	$-137.3M	$1.5B +0.5% YoY	$446.2M +5.6% YoY	$504.8M +10.3% YoY	52%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.2% -47.7% YoY+90.3% QoQ	-0.6%	0.8% +27.6% YoY	1.0% +7.5% YoY	1.2% +121.4% YoY	Bottom 5.0% in tier
NIM	2.3% +7.6% YoY+0.2% QoQ	-1.1%	3.4% +6.6% YoY	3.9% +1.8% YoY	3.8% +2.3% YoY	Bottom 3.7% in tier
Efficiency Ratio	91.1% +10.5% YoY+0.8% QoQ	+18.1%	73.0% -2.7% YoY	73.5% +1.3% YoY	83.0% -5.3% YoY	Bottom 2.3% in tier
Delinquency Rate	2.5% +9.2% YoY-1.3% QoQ	+1.6	0.9% +7.3% YoY	1.1% -7.5% YoY	1.3% +2.6% YoY	Bottom 2.3% in tier
Loan To Share	85.5% -2.0% YoY+5.3% QoQ	+0.8%	84.7% +0.1% YoY	75.0% -0.8% YoY	66.4% -1.4% YoY	48%
AMR	$30,276 -2.0% YoY-2.5% QoQ	+$701	$29,575 +1.5% YoY	$21,508 -71.8% YoY	$20,028 -0.9% YoY	62%
CD Concentration	24.0% -10.4% YoY+1.3% QoQ	-5.1%	29.1%	21.7%	20.0%	28%
Indirect Auto %	6.3% -3.0% YoY+2.8% QoQ	-11.8%	18.1%	9.1%	7.7%	27%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Efficiency Drag

risk

#4 of 71 • Bottom 2.4% in tier

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

Why This Signature

Efficiency Ratio: 91.11%

(Tier: 72.30%, National: 82.97%)

worse than tier avg

ROA Change (YoY): -0.16% points

(Tier: 0.18% points, National: 0.47% points)

worse than tier avg

Member Growth (YoY): -0.37%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

71 of 377 Mid-Market CUs have this signature | 608 nationally

↓ Shrinking -33 CUs YoY | Rank improving

Credit Quality Pressure

risk

#76 of 215 • Bottom 20.4% in tier

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

Why This Signature

Delinquency Change (YoY): 0.21% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

215 of 377 Mid-Market CUs have this signature | 962 nationally

↓ Shrinking -28 CUs YoY | Rank worsening

Deposit Outflow

decline

#14 of 23 • Bottom 93.3% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -1.48%

(Tier: 6.36%, National: 100.69%)

worse than tier avg

Member Growth (YoY): -0.37%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

23 of 377 Mid-Market CUs have this signature | 109 nationally

→ Stable (22→23 CUs) +1 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#46 of 69 • Bottom 87.9% in tier

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

Why This Signature

AMR Growth (YoY): -2.03%

(Tier: 3.62%, National: 35.20%)

worse than tier avg

69 of 377 Mid-Market CUs have this signature | 308 nationally

↓ Shrinking -22 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)

Compare against:

Comparing against 300 peers in tier

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (9 metrics)

297

Net Worth Ratio

risk

Value: 7.78%

Peer Median: 10.91%

#297 of 300 Bottom 1.3% in 1B-3B tier

294

Efficiency Ratio

profitability

Value: 91.11%

Peer Median: 73.62%

#294 of 300 Bottom 2.3% in 1B-3B tier

294

Total Delinquency Rate (60+ days)

risk

Value: 2.47%

Peer Median: 0.70%

#294 of 300 Bottom 2.3% in 1B-3B tier

293

Asset Growth Rate

growth

Value: -3.19%

Peer Median: 5.21%

#293 of 300 Bottom 2.7% in 1B-3B tier

289

Net Interest Margin (NIM)

profitability

Value: 2.30%

Peer Median: 3.46%

#289 of 300 Bottom 4.0% in 1B-3B tier

285

Return on Assets (ROA)

profitability

Value: 0.17%

Peer Median: 0.77%

#285 of 300 Bottom 5.3% in 1B-3B tier

284

Loan Growth Rate

growth

Value: -3.44%

Peer Median: 5.71%

#284 of 300 Bottom 5.7% in 1B-3B tier

275

Deposit Growth Rate

growth

Value: -1.48%

Peer Median: 4.79%

#275 of 300 Bottom 8.7% in 1B-3B tier

262

AMR Growth Rate

growth

Value: -2.03%

Peer Median: 3.19%

#262 of 300 Bottom 13.0% in 1B-3B tier