BlastPoint's Credit Union Scorecard

COLLINS COMMUNITY

Charter #62969 · IA

Mid-Market 1B-3B

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

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COLLINS COMMUNITY faces 14 concerns requiring attention

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

- Credit Quality Pressure: Bottom 4.8% in tier
- Efficiency Drag: Bottom 16.8% in tier
- Shrinking Wallet Share: Bottom 30.8% in tier
- Deposit Outflow: Bottom 66.7% in tier
- ROA 0.68% below tier average
- Efficiency ratio 8.39% above tier (higher cost structure)
- Delinquency rate 1.77% above tier average
- Total Delinquency Rate (60+ days): Bottom 2.0% in tier
- Net Worth Ratio: Bottom 2.3% in tier
- Asset Growth Rate: Bottom 3.6% in tier
- Loan Growth Rate: Bottom 4.0% in tier
- Net Interest Margin (NIM): Bottom 6.3% in tier
- AMR Growth Rate: Bottom 7.0% in tier
- Deposit Growth Rate: Bottom 7.3% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Members	81,905 -0.1% YoY-0.3% QoQ	-15.5K	97,431 -2.4% YoY	24,743 -0.2% YoY	33,374 +5.7% YoY	44%
Assets	$1.5B -5.9% YoY-1.5% QoQ	$-200.6M	$1.7B +0.9% YoY	$526.3M +6.5% YoY	$561.6M +9.7% YoY	51%
Loans	$1.1B -7.1% YoY-1.0% QoQ	$-105.6M	$1.2B +0.5% YoY	$422.1M +6.5% YoY	$397.0M +8.8% YoY	52%
Deposits	$1.4B -2.7% YoY+1.7% QoQ	$-99.9M	$1.5B +0.9% YoY	$432.9M +5.9% YoY	$477.3M +9.7% YoY	53%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.0% -103.9% YoY-96.1% QoQ	-0.7%	0.7% +20.9% YoY	0.9% +6.1% YoY	0.7% +15.9% YoY	Bottom 4.0% in tier
NIM	2.3% +24.3% YoY+5.2% QoQ	-0.9%	3.3% +9.2% YoY	3.9% +6.4% YoY	3.8% +5.1% YoY	Bottom 6.0% in tier
Efficiency Ratio	82.4% -3.0% YoY-0.1% QoQ	+8.4%	74.1% -9.5% YoY	74.3% -0.8% YoY	79.7% -3.3% YoY	Top 14.9% in tier
Delinquency Rate	2.7% +50.4% YoY+4.6% QoQ	+1.8	0.9% +6.2% YoY	1.4% +32.5% YoY	1.3% -2.1% YoY	Top 2.0% in tier
Loan To Share	83.0% -4.6% YoY-2.7% QoQ	-1.7%	84.8% -0.8% YoY	76.3% -0.8% YoY	67.4% -1.7% YoY	38%
AMR	$30,380 -4.7% YoY+0.7% QoQ	+$951	$29,428 +2.4% YoY	$21,029 +4.7% YoY	$19,687 +2.0% YoY	63%
CD Concentration	25.2% -8.3% YoY-3.2% QoQ	-3.8%	29.0%	22.0%	19.8%	34%
Indirect Auto %	5.7% +39.6% YoY-9.0% QoQ	-12.6%	18.3%	9.2%	7.8%	27%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Credit Quality Pressure

risk

#11 of 211 • Bottom 4.8% in tier

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

Why This Signature

Delinquency Change (YoY): 0.89% points

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

worse than tier avg

211 of 378 Mid-Market CUs have this signature | 969 nationally

↓ Shrinking -59 CUs YoY | Rank improving

Efficiency Drag

risk

#16 of 90 • Bottom 16.8% in tier

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

Why This Signature

Efficiency Ratio: 82.45%

(Tier: 73.53%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.10% points

(Tier: 0.12% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): -0.07%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

90 of 378 Mid-Market CUs have this signature | 633 nationally

↓ Shrinking -36 CUs YoY | Rank improving

Shrinking Wallet Share

decline

#25 of 79 • Bottom 30.8% in tier

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

Why This Signature

AMR Growth (YoY): -4.69%

(Tier: 3.31%, National: 4.00%)

worse than tier avg

79 of 378 Mid-Market CUs have this signature | 303 nationally

↓ Shrinking -33 CUs YoY | New qualifier

Deposit Outflow

decline

#13 of 19 • Bottom 66.7% 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): -2.69%

(Tier: 6.71%, National: 13.79%)

worse than tier avg

Member Growth (YoY): -0.07%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

19 of 378 Mid-Market CUs have this signature | 91 nationally

→ No prior data (19 CUs now) | 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 302 peers in tier

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (9 metrics)

297

Total Delinquency Rate (60+ days)

risk

Value: 2.67%

Peer Median: -

#297 of 302 Bottom 2.0% in 1B-3B tier

296

Net Worth Ratio

risk

Value: 7.90%

Peer Median: -

#296 of 302 Bottom 2.3% in 1B-3B tier

292

Asset Growth Rate

growth

Value: -5.92%

Peer Median: -

#292 of 302 Bottom 3.6% in 1B-3B tier

291

Loan Growth Rate

growth

Value: -7.13%

Peer Median: -

#291 of 302 Bottom 4.0% in 1B-3B tier

290

Return on Assets (ROA)

profitability

Value: 0.00%

Peer Median: -

#290 of 302 Bottom 4.3% in 1B-3B tier

284

Net Interest Margin (NIM)

profitability

Value: 2.34%

Peer Median: -

#284 of 302 Bottom 6.3% in 1B-3B tier

282

AMR Growth Rate

growth

Value: -4.69%

Peer Median: -

#282 of 302 Bottom 7.0% in 1B-3B tier

281

Deposit Growth Rate

growth

Value: -2.69%

Peer Median: -

#281 of 302 Bottom 7.3% in 1B-3B tier

258

Efficiency Ratio

profitability

Value: 82.45%

Peer Median: -

#258 of 302 Bottom 14.9% in 1B-3B tier