Credit Union Safety Analysis
Is Cottonwood Community Federal Credit Union Safe? Cottonwood, Idaho
Based on its Q2 2026 NCUA 5300 call report, Cottonwood Community Federal Credit Union has a net worth ratio of 14.91%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.39%, and its shares are NCUA insured up to $250,000 per member.
BankRegReports is independent of Cottonwood Community Federal Credit Union and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 NCUA 5300 call report, Cottonwood Community Federal Credit Union's net worth ratio is 14.91%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 14.91%
- Delinquency ratio (60+ days) (Q2 2026): 1.39%
- Return on assets (Q2 2026): 1.61%
- Loan-to-share ratio (Q2 2026): 75.21%
Cottonwood Community Federal Credit Union (NCUA charter 4960, established 1942) reported $285.5M in assets and 10,125 members for Q2 2026 from Cottonwood, Idaho. It ranks 12 of 26 credit unions in Idaho by total assets. Total assets grew 8.0% from $264.5M on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 14.79% for Q1 2026; 14.43% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.94% for Q1 2026; 1.06% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 1.47% for Q1 2026; 1.53% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 75.15% for Q1 2026; 77.69% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $92.8M
- Commercial loans: $45.5M
- Used vehicle loans: $22.1M
- Other secured non-real estate loans and lines of credit: $11.3M
- New vehicle loans: $8.5M
- Other unsecured loans and lines of credit: $2.0M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $285.5M | 14.91% | 1.39% | 1.61% | 75.21% |
| March 31, 2026 | $280.0M | 14.79% | 0.94% | 1.47% | 75.15% |
| December 31, 2025 | $278.9M | 14.48% | 0.89% | 1.52% | 73.07% |
| September 30, 2025 | $274.7M | 14.33% | 0.42% | 1.75% | 73.91% |
| June 30, 2025 | $264.5M | 14.43% | 1.06% | 1.53% | 77.69% |
| March 31, 2025 | $261.4M | 14.21% | 1.08% | 1.47% | 75.44% |
Add this badge to your website
Free to use. It shows Cottonwood Community Federal Credit Union’s latest filed figures and updates each quarter.
How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Cottonwood Community Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 4960) · FFIEC NIC profile (RSSD 223377)
Frequently asked questions
Is Cottonwood Community Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Cottonwood Community Federal Credit Union's net worth ratio is 14.91%, above the 7% NCUA threshold for well capitalized.
Is Cottonwood Community Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Cottonwood Community Federal Credit Union is a federally insured credit union (NCUA charter 4960): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Cottonwood Community Federal Credit Union's key safety ratios?
For Q2 2026, Cottonwood Community Federal Credit Union reports net worth 14.91%, delinquency 1.39%, ROA 1.61%, loan-to-share 75.21%.
What happens to my money if Cottonwood Community Federal Credit Union fails?
For Q2 2026, Cottonwood Community Federal Credit Union held $242.2M in shares and deposits for 10,125 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.