# COLLINS COMMUNITY
Cedar Rapids, IA · NCUA charter 62969 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/collins-community-62969

Who the members are: state charter, organized 1940, low-income designated. 81,134 members of 36,606,173 potential (0.2% of the field); checking penetration 53% (share draft accounts per 100 members); loans per 100 members 46.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.54B |
| Members | 81,134 (-0.8% YoY) |
| Full-time staff | 200 |
| Net worth | $120.5M |
| Net worth ratio | 7.8% (p2 of band) |
| ROA (annualized) | 0.09% (p6 of band) |
| Total delinquency | 2.51% (p98 of band) |
| Net charge-offs (annualized) | 0.41% (p35 of band) |
| Loans / shares | 81% (p35 of band) |
| Cash / assets | 7.0% |
| Borrowings / assets | 2.41% |
| Net interest margin | 2.29% (p6 of band) |
| Operating expense / assets | 3.03% (p39 of band) |
| Vehicles % of loans | 14% (p19 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 44% |
| Third-party paper % of net worth | 136% (p50 of band) |
| Vehicle delinquency | 0.69% (p59 of band) |
| Vehicle NCO | 1.29% (p65 of band) |
| Repossessed % of vehicle book | 0.02% (p28 of band) |
| Real estate % of loans | 51% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 301% |
| Core shares % of member funds | 41% |
| Certificates % of member funds | 24% |
| Average share balance | $7,494 |
| Participations bought / yr | $76.7M |
| Participations sold / yr | $12.5M |
| Participations outstanding | $273.5M |
| Loans outstanding per 100 members | 46% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $30,444 |
| Loans granted, annualized | $275.2M |

## Participation posture (from the same filings)

Bought $76.7M and sold $12.5M in the latest annualized quarter; $273.5M outstanding purchased (226.9% of net worth), $130.1M sold and retained. Sold in 7 and bought in 8 of the last 8 quarters. Shares -0.1% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **assets shrinking** (`shrink_assets`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | leaning on borrowings, 3rd-party paper>100% NW |  |
| 2016-06 | 3 | loans>95% of shares |  |
| 2016-09 | 4 | thin capital, net worth falling | loans>95% of shares |
| 2016-12 | 4 |  |  |
| 2017-03 | 3 |  | leaning on borrowings |
| 2017-06 | 3 | loans>95% of shares | net worth falling |
| 2017-09 | 4 | leaning on borrowings |  |
| 2017-12 | 3 | delinquency rising | thin capital, leaning on borrowings |
| 2018-03 | 3 |  |  |
| 2018-06 | 6 | thin capital, net worth falling, leaning on borrowings |  |
| 2018-09 | 7 | delinquency 2x band |  |
| 2018-12 | 6 |  | net worth falling |
| 2019-03 | 6 |  |  |
| 2019-06 | 5 | repo signal | delinquency rising, leaning on borrowings |
| 2019-09 | 5 | assets shrinking, loan book shrinking | loans>95% of shares, repo signal |
| 2019-12 | 7 | charge-offs p90, repo signal |  |
| 2020-03 | 6 |  | assets shrinking |
| 2020-06 | 8 | net worth falling, expense trap |  |
| 2020-09 | 6 |  | repo signal, net worth falling |
| 2020-12 | 4 |  | delinquency 2x band, loan book shrinking |
| 2021-03 | 2 |  | 3rd-party paper>100% NW, charge-offs p90 |
| 2021-06 | 3 | net worth falling |  |
| 2021-09 | 4 | leaning on borrowings |  |
| 2021-12 | 2 |  | net worth falling, leaning on borrowings |
| 2022-03 | 3 | leaning on borrowings |  |
| 2022-06 | 4 | net worth falling |  |
| 2022-09 | 5 | loans>95% of shares |  |
| 2022-12 | 4 |  | net worth falling |
| 2023-03 | 4 | delinquency rising, members leaving | expense trap, loans>95% of shares |
| 2023-06 | 4 |  |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 5 | delinquency 2x band |  |
| 2024-03 | 6 | net worth falling, loans>95% of shares | members leaving |
| 2024-06 | 4 |  | net worth falling, loans>95% of shares |
| 2024-09 | 2 |  | delinquency rising, delinquency 2x band |
| 2024-12 | 5 | losing money, delinquency 2x band, 3rd-party paper>100% NW |  |
| 2025-03 | 3 |  | losing money, delinquency 2x band |
| 2025-06 | 5 | delinquency 2x band, assets shrinking |  |
| 2025-09 | 6 | delinquency rising |  |
| 2025-12 | 5 |  | leaning on borrowings |
| 2026-03 | 5 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-13 [Friedman named Collins Community Credit Union chief brand officer - Corridor Business Journal](https://news.google.com/rss/articles/CBMimwFBVV95cUxQV0M2Nm4xa3VWMXZiaWd3SWhqSk5Kd0pNXzRwNjVKOTJHOThUcWhzdS0xMllQVllZcERHc3FNQVZuOElkdnRMcmtlOTNyaE8yZmxTVkVIazlhbW5sTG9DX3BPTGtQRmVKTk90TTlRMnpISWFNQTI2NkdqaGx2TzR3WFBrUUpBN2F1OFBiVnpZRTBVQk9OUS1VOHlEbw?oc=5) · Corridor Business Journal
- 2022-03-16 [Collins Community Credit Union opens new headquarters - CUInsight](https://news.google.com/rss/articles/CBMimgFBVV95cUxPZ1ZUTjlxN3U2SGgzMGU4dzZYQVJQcldFSl93WHJyVXhTM3FLSUY3b1VHV3BNZjJ5N19RZTVxVlQwUFNwdXdRQmU5M2VQbnYwU3pPaWwwWHpneEhlN2xWUk1CenlUaW5kSTNRakRzZ3ozME1WSWhycm9xbG5JeFFzcDkyVGxCclU4U3MzYjFMR1k5TUIyMUhtZy1B?oc=5) · CUInsight
- 2022-03-31 [John Lewis – Collins Community Credit Union - Blueprint Magazine](https://news.google.com/rss/articles/CBMihAFBVV95cUxNdGdYOGpKYmhLMm1HbDNNRWloUkthaFdjMEtCd0JhRkdCc01UeDZWR3RUQU9RbVRfOEJEb0xDSDdTU3IwaDRkUEdvbkRTOG9ZbjNOeFd6NjZKV3c4V2h1b0Zhb2pJNzdfUmw5MVZXWVg4YnVacWJ1cjNUd3BLSHBUZjlRYTQ?oc=5) · Blueprint Magazine
- 2025-03-10 [Everyday Iowa - Collins Community Credit Union - kcrg.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQdmN6OUhxeHNvVDdFb0I4M2lnWFlFQmYxNlNUbUljenZoeW9SZ2x3amRTSFFyYkdib1d0eU4xdEFHVmVvRFpPOE1rOGdlZlRuNHdvOHFQbi1HWUtFQXFXaXBaZk5sZG1EcXRqUkNYTVI2NkQ1bjdzSlliTi1FUG01UVlxZFpqb2lILW9r?oc=5) · kcrg.com
- 2024-01-18 [Eastern Iowa bankers fined $50K for taking customer information from F&M Bank - thegazette.com](https://news.google.com/rss/articles/CBMi9AFBVV95cUxOV0dZQTlzTUxWSmRnN0VDMVpveUVJUVYyMnYxSFRESFE1cmh0VlN0SnV5dWdWamIxLUc1Y0RHVmJ3OGREa0VjaDQ4SEEydDVBZVBWVTR5cm5Uel9LckNENGxqeVFSMFlJcy1XWXF6YWEydGdQUjNBaHZBZUtqemVoOXZaS2h4elY4MDk4a2JyZlpLRlN1MFdRMGpENzFGZkJQdUVxVGNhS2R4ZWNYNWxDSC0yM2xaWFNvQjJmVlBWUzhnbFBnb19UQXJZa2dnLTZpZDAtNWs2QVNaY3NoQUxTd1BGOUJOMHFqMlJkSHpSVHRpSHVC?oc=5) · thegazette.com
- 2024-10-14 [Collins Community Credit Union selects new CEO - Corridor Business Journal](https://news.google.com/rss/articles/CBMitgFBVV95cUxQckxEaW9TOEJMTm5ZNW9QRzBsaWx1SDQ4UlVGa2UxYi1RS2NaaGxBWnRnOHJBc1NMalRaZTREbUZNeWMxV3dDcnFhejJCSVlMb0IzWjJTemdvVmp4SmJTbGprSnl4WU9DS2ZKS3QteEFoNU95S2t6dzFySl9jcExEcGFGTW1qYnR1a3ZRMlcyLTNyeG9KQ1RXcVg5UnFTeExYc2FjYVAyMkFzeXd4MC1JNjNqUDFRZw?oc=5) · Corridor Business Journal
- 2019-11-22 [Collins Community Credit Union Expanding Outside Iowa - 98.1 KHAK](https://news.google.com/rss/articles/CBMie0FVX3lxTE8xRVRFeno2eTR5d2Z1eFZTNVl3MV9BZGFaeG11TUNkNE1pdjB0X1ZlejNwR0lPNFMxT0lSbWJQZHhfX3lLY3YtOWdFWVh3d2J1X255dVJQVzlXYjRWNTg3ZUhfb3hMaXNJdVE2R2NQR1VJZGFZQzRvLU52MA?oc=5) · 98.1 KHAK
- 2025-09-12 [Federal Judge Sentences Leaders for Organizing $15 Million Credit Union, Bank Scheme - CUTimes](https://news.google.com/rss/articles/CBMiugFBVV95cUxOY3owVndhczV6MWdBZmxnLUh4X0sxbnNZUHNvWnhkZXhmYVlyMXg0R0pJcGRvbHBSM0FsNVl2RnhUaW9kMXREOUdZeXhWVHUyNjRNa3BETDV6S3UzZEZ3Nnk4cWlNeDhyR2pQLXdfdG1kNUk5MGlmT0JxWjlNRFlUN1lFb1MtSlFNQ0VseFItaTNTMkNGbXJaQnhLclowNHhibmhoT18zTzFRWkVSVXFGcENBZEh5MElVQVE?oc=5) · CUTimes

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=62969 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/57.json (key "62969", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=62969
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide