State credit union · Cedar Rapids, Iowa · NCUA charter #62969
Collins Community
Health score 60/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 60
- Health / 100
- $1.52B
- Total assets
- 81,905
- Members
- 7.8%
- Net-worth ratio
Collins Community scores 60/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.52B; members 81,905; net-worth ratio 7.83%; health rank #4,074 of 4,374; healthier than 7th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#4,074 of 4,374 health · 2025Q4Collins Community · health 60/100 · $1.52B · 2025Q4
- PHOTO 60/100
- BOOK 7.8%
- CHARTER 2.67%
- NCUSIF -0.10%
- CAMELS $1.52B
- HEALTH 81,905
- NW #4,074/4,374
- DELQ United States Senate
- ROA 62969
Call Report peers
Collins Community in the assets neighbourhood
Collins Community's $1.52B assets sit next to United States Senate ($1.52B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Collins Community vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
60 7th percentile higher than 7% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Collins Community - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #62969, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Collins Community vs Over $500M peers
- Largest lag: Net Worth Ratio at 7.83% vs peer 11.18% (-3.35 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Collins Community in Iowa
- Health composite ranks #61 of 66 among scored Iowa credit unions.
- Iowa assets place: #4 of 66.
- Iowa membership ordinal: #4 of 66.
In-state ordinals use the live credit_unions table for IA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Collins Community: 2025Q4 → 2026Q1
Collins Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.4% from $1.52B (2025Q4) to $1.54B (2026Q1).
- Net-worth ratio shifted -0.07 pp (7.90% → 7.83%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 7.83%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 60/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 60.
- Net Worth Ratio 24.6 pts
- Delinquency Rate 8.3 pts
- Return on Assets 3.6 pts
- Member Growth 8.9 pts
- Loan-to-Share Ratio 14.6 pts
Call Report ratios for Collins Community
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.83% | -3.35 pp |
| Delinquency Rate | 2.67% | +1.79 pp |
| Return on Assets | -0.10% | -0.61 pp |
| Member Growth | -0.07% | - |
| Loan-to-Share Ratio | 83.04% | -0.86 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Collins Community quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.54B | - |
| 2025Q4 | $1.52B | 81,905 |
| 2024Q4 | $1.62B | 81,960 |
| 2023Q4 | $1.62B | 82,668 |
Credit Union Details
- Charter Number
- 62969
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Iowa
- City
- Cedar Rapids
- Data Quarter
- 2025Q4
Branch Locations (9)
Per its most recent NCUA branch filing, Collins Community runs 9 offices in 7 different cities.
| Office | City |
|---|---|
| Blairs Ferry Road Office (Main Office) | Cedar Rapids, IA |
| Winterberry Dr Branch | Cedar Falls, IA |
| 1st Ave Branch | Cedar Rapids, IA |
| Wiley Blvd Branch | Cedar Rapids, IA |
| Court Avenue Branch | Des Moines, IA |
| Dubuque Branch | Dubuque, IA |
| Highway 151 Branch | Marion, IA |
| Jordan St Branch | North Liberty, IA |
| Mills Civic Branch | West Des Moines, IA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Iowa
Other federally-insured credit unions in Iowa, closest first by peer group and asset size.
Cross-state Call Report peers for Collins Community
Two NCUA Call Report peer sets for Collins Community, both outside Iowa so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.52B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (60/100 here).
Using this data
- Collins Community ranks #4,074 of 4,374 nationally on financial health and #61 of 66 in IA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Dutrac Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Dutrac Community
- Rates and health both vary by institution, not just by state -- see how Iowa credit unions compare overall before assuming this one is typical. Iowa state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Collins Community financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Collins Community carries a financial health score of 60/100 (Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #4,074 of 4,374; by total assets it ranks #314 of 4,374 nationally (same basis as /rankings/largest); and #4 of 66 within Iowa. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 7.83% net worth ratio and a 2.67% delinquency rate.
How does Collins Community compare to other credit unions?
PlainCU's health composite puts Collins Community at 60/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Collins Community?
Membership eligibility for Collins Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Collins Community directly for current membership requirements and application steps.
Is my money safe at Collins Community?
Federal credit unions like Collins Community are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Collins Community's net worth ratio of 7.83% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Collins Community offer compared to banks?
Credit unions like Collins Community are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Collins Community directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.