PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Collins Community

Cedar Rapids, IA · Charter 62969

NCUA · 9 branches

Q2 2026

$1.5BAssets
$1.1BLoans
$1.3BShares
$118.8MNet Worth

Executive Summary

  • Earnings: ROA of -0.17%, down 51 bps year over year; NIM at 2.31%.
  • Asset quality: problem loans at 2.47% of loans (+21 bps YoY).
  • Capital: net worth / assets of 7.78%, down 2 bps from a year ago.
  • Funding: loans stand at 85.54% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

-0.17%-51 bps YoY

Net Interest Margin (YTD, annualized)

2.31%+15 bps YoY

Efficiency Ratio (YTD, annualized)

91.11%+863 bps YoY

Net Worth / Assets

7.78%-2 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.46%-0.10%0.36%0.33%0.10%0.00%0.09%-0.17%-51 bps
Return on Equity6.04%-1.30%4.73%4.28%1.25%0.05%1.16%-2.23%-651 bps
Net Interest Margin1.83%1.90%2.11%2.16%2.25%2.36%2.29%2.31%+15 bps
Efficiency Ratio81.77%85.00%90.00%82.48%82.56%82.45%90.40%91.11%+863 bps
Growth
Asset Growth (YoY)2.40%-0.29%-1.81%-5.63%-6.62%-5.92%-4.50%-3.19%+243 bps
Loan Growth (YoY)2.47%0.79%-4.62%-4.80%-7.30%-7.13%-3.35%-3.44%+136 bps
Share Growth (YoY)5.14%7.96%8.22%1.25%-1.73%-2.69%-0.12%-1.48%-273 bps
Asset Quality
Delinquent Loans / Loans1.05%1.77%1.11%2.27%2.55%2.67%2.51%2.47%+21 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital7.68%7.40%7.54%7.80%7.85%7.90%7.81%7.78%-2 bps
Net Worth / Assets7.68%7.40%7.54%7.80%7.85%7.90%7.81%7.78%-2 bps
Liquidity & Funding
Loans / Shares90.50%87.00%83.99%87.28%85.37%83.04%81.27%85.54%-174 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%99.70%0.00%0 bps