Cottonwood Community Federal Credit Union Cottonwood, Idaho
Cottonwood Community Federal Credit Union is a federal credit union headquartered in Cottonwood, ID, established in 1942 (NCUA charter 4960), and it is regulated and insured by the NCUA. At Q2 2026 it reported 10,125 members and total assets of $285.5M (up 8.0% from Q2 2025), the 12th largest of 26 credit unions headquartered in Idaho. Its net worth ratio was 14.91% at Q2 2026, in the well capitalized band.
Also written as Cottonwood Community FCU
BankRegReports is independent of Cottonwood Community Federal Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 4960
- Headquarters
- Cottonwood, ID
- Established
- 1942
- Total assets, Q2 2026
- $285.5M
- Assets vs Q2 2025
- +8.0%
- Members, Q2 2026
- 10,125
- Net worth ratio, Q2 2026
- 14.91%
- Latest call report
- Q2 2026, NCUA 5300 · Cottonwood Community Federal Credit Union call report
- Asset rank in state
- 12th of 26 in Idaho
- Routing number
- 323172958
- Branches
- 7
It has 227 more members than on June 30, 2025 (+2.3%). Its net worth ratio was up 0.48 percentage points from 14.43% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $92.8M of $182.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.39% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 14.91% net worth ratio is above that band's 11.43% median.
Credit unions merged into Cottonwood Community Federal Credit Union
Frequently asked about Cottonwood Community Federal Credit Union
How big is Cottonwood Community Federal Credit Union?
At Q2 2026 it reported total assets of $285.5M and 10,125 members.
Where is Cottonwood Community Federal Credit Union headquartered?
It is headquartered in Cottonwood, ID, United States.
When was Cottonwood Community Federal Credit Union founded?
It was established in 1942, per NCUA records.
Is Cottonwood Community Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 4960): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Cottonwood Community Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Cottonwood Community Federal Credit Union well capitalized?
Its net worth ratio was 14.91% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Cottonwood Community Federal Credit Union's delinquency ratio?
Its delinquency ratio was 1.39% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Cottonwood Community Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 75.21% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Cottonwood, ID 83522
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1942
- NCUA Charter #
- 4960
- RSSD ID
- 223377
- Members
- 10,125
- Potential members
- 21,640
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 4 of 7 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 14.91% | 11.43% | 83rd top |
| Return on assets Middle half of peers: 0.43% to 1.23% | 1.61% | 0.81% | 88th top |
| Return on equity Middle half of peers: 3.87% to 9.84% | 10.77% | 7.02% | 80th top |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.60% | 3.70% | 44th below |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 53.60% | 76.55% | over 90th top |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.83% | 1.24% | 13th bottom |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 1.39% | 0.68% | 18th bottom |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 5.43% | 4.92% | 77th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 75.21% | 75.66% | 49th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$285.5M total assets against $264.5M; $242.2M total shares and deposits against $225.5M; $182.1M total loans against $175.2M.
$42.6M net worth against $38.2M.
14.91% net worth ratio against 14.43%.
75.21% loan-to-share ratio against 77.69%.
1.39% delinquency ratio against 1.06%.
1.61% return on assets against 1.53%; 10.77% return on equity against 10.60%.
3.60% net interest margin against 3.51%.
10,125 members against 9,898.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 14.91% | 1.61% | 1.39% | 75.21% |
| March 31, 2026 | 14.79% | 1.47% | 0.94% | 75.15% |
| December 31, 2025 | 14.48% | 1.52% | 0.89% | 73.07% |
| September 30, 2025 | 14.33% | 1.75% | 0.42% | 73.91% |
| June 30, 2025 | 14.43% | 1.53% | 1.06% | 77.69% |
| March 31, 2025 | 14.21% | 1.47% | 1.08% | 75.44% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.