Collins Community Credit Union

Collins Community Credit Union is headquartered in Cedar Rapids and is the 4^th largest credit union in the state of Iowa. It is also the 295^th largest credit union in the nation. It was established in 1940 and as of December of 2012, it had grown to 195 employees and 66,920 members. Collins Community Credit Union's savings rates are 35% higher than the national average, and it has a 4-star health rating.

Collins Community Credit Union Routing Number: 273972949

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Data for Q4 2012

Institution Statistics COLLINS COMMUNITY NCUA # 62969 BankRate Report View Year Chartered 1940 Employees 195 Primary Regulator Assets and Liabilities Assets $726.96 million Loans $515.73 million Deposits $629.57 million Equity Capital $63.70 million Loan Loss Allowance $6.20 million Unbacked Noncurrent Loans $9.46 million Real Estate Owned $20,000 Historic Data - December 2011 Assets $685.39 million Equity Capital $60.38 million Loan Loss Allowance $3.15 million Unbacked Noncurrent Loans $5.47 million Real Estate Owned $259,000 Profit Margin - Quarterly Net Interest Margin 4.42% Return on Assets 0.43% Return on Equity 4.88% Interest Income $28.21 million Non-Interest Income $11.25 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 Collins Community Credit Union had $9.48 million in non-current loans and owned real-estate with $69.9 million in equity and loan loss allowances on hand to cover it. This gives Collins Community Credit Union a Texas Ratio of 13.56% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Collins Community Credit Union held steady from 9.02% as of December 31, 2011 to 13.56% as of December 31, 2012, resulting in a negative change of 50.36%. This indicates that the balance sheet and financial strength for Collins Community Credit Union has held steady in recent periods. Deposit Growth In the past year, Collins Community Credit Union has increased its total deposits by $17.01 million, resulting in 2.78% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Collins Community Credit Union has shown is above average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Collins Community Credit Union has $726.96 million in assets with $69.9 million in equity, resulting in a capitalization level of 9.61%, which is average.

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