Federal credit union · Cottonwood, Idaho · NCUA charter #4960
Cottonwood Community
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $278.9M
- Total assets
- 10,021
- Members
- 14.8%
- Net-worth ratio
Cottonwood Community scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $278.9M; members 10,021; net-worth ratio 14.79%; health rank #754 of 4,374; healthier than 80th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#754 of 4,374 health · 2025Q4Cottonwood Community · health 92/100 · $278.9M · 2025Q4
Call Report peers
Cottonwood Community in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Cottonwood Community vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Cottonwood Community sits in 90-94 with 747 others.
92 Top 20% higher than 80% 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
Where Cottonwood Community diverges from peer averages
- Net Worth Ratio leads the peer set - 14.79% here, 12.11% peer average (+2.68 pp).
Cottonwood Community: in-state Call Report ranks
- Health composite ranks #5 of 26 among scored Idaho credit unions.
- Idaho assets place: #12 of 26.
- Member book place in Idaho: #15 of 26.
- One place up in Idaho, Members Preferred (#4) ties at 92/100; one place down, CLARITY (#6) scores 91/100, 1 point lower.
Cottonwood Community Call Report trajectory
Cottonwood Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.4% from $278.9M (2025Q4) to $280.0M (2026Q1).
- Net-worth ratio shifted +0.31 pp (14.48% → 14.79%).
This credit union's 14.79% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 92/100 score is built
Cottonwood Community gives up 8 points in total. Delinquency Rate costs the most, 3.9 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.1 pts
- Return on Assets 15.0 pts
- Member Growth 11.4 pts
- Loan-to-Share Ratio 14.5 pts
Call Report ratios for Cottonwood Community
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.79% | +2.68 pp |
| Delinquency Rate | 0.89% | -0.00 pp |
| Return on Assets | 0.78% | +0.15 pp |
| Member Growth | 1.97% | - |
| Loan-to-Share Ratio | 73.07% | +0.87 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Cottonwood Community quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $280.0M | - |
| 2025Q4 | $278.9M | 10,021 |
| 2024Q4 | $253.4M | 9,827 |
| 2023Q4 | $239.3M | 9,763 |
Credit Union Details
- Charter Number
- 4960
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Idaho
- City
- Cottonwood
- Data Quarter
- 2025Q4
Branch Locations (7)
Cottonwood Community operates 7 offices across 6 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Cottonwood Branch (Main Office) | Cottonwood, ID |
| Downtown Cottonwood Branch | Cottonwood, ID |
| Craigmont Branch | Craigmont, ID |
| Grangeville Pine Tree Branch | Grangeville, ID |
| Kooskia Branch | Kooskia, ID |
| Nezperce Branch | Nezperce, ID |
| Riggins Branch | Riggins, ID |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Idaho
A look at other Idaho credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Similar total assets
Similar health score
Using this data
- Cottonwood Community ranks #754 of 4,374 nationally on financial health and #5 of 26 in ID -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Advantage Plus is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Advantage Plus
Frequently Asked Questions
Is Cottonwood Community financially healthy?
On its 2025Q4 NCUA 5300 filing, Cottonwood Community scores 92/100 (Excellent), with a 14.79% net worth ratio and 0.89% of loans delinquent. It ranks #754 of 4,374 nationally on health and #5 of 26 in Idaho.
How does Cottonwood Community compare to other credit unions?
Cottonwood Community scores 92/100, higher than 80% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (14.79% vs 12.11%).
How can I join Cottonwood Community?
Cottonwood Community operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Cottonwood Community directly for the exact boundaries and application steps.
Is my money safe at Cottonwood Community?
Cottonwood Community is a federal credit union; its shares are federally 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. Cottonwood Community's net worth ratio of 14.79% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.