Side-by-side · Q2 2026 data
Columbia Bank vs Cottonwood Community Federal Credit Union
Credit union
Cottonwood Community Federal Credit Union
Cottonwood, Idaho · $100 million – $1 billion
Metric by metric
| Measure | Columbia Bank | Cottonwood Community Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 81 (stronger) |
| Capital cushion | 47 | 99 (stronger) |
| Loan quality | 81 (stronger) | 54 |
| Earnings | 70 | 81 (stronger) |
| Funding & liquidity | 44 | 85 (stronger) |
| Problem-loan coverage | 93 (stronger) | 88 |
| Peer percentile | 46th | 80th |
| Total assets | $65.4B | $285.5M |
| Deposits / shares | $52.2B | $242.2M |
| Capital ratio | 9.68% | 14.91% (stronger) |
| Problem loans | 0.57% (stronger) | 1.39% |
| Net charge-offs | 0.28% | 0.05% (stronger) |
| Return on assets | 1.25% | 1.52% (stronger) |
| Loans ÷ deposits | 89.6% | 75.2% (stronger) |
| Uninsured deposits | 39.5% | 12.4% (stronger) |
| Offices | 349 | 2 |
| CFPB complaints (3 yrs) | 228 | — |
| Complaints per $1B deposits | 4.4 | — |
| Mortgage denial rate (HMDA) | 28.5% | — |
Cottonwood Community Federal Credit Union has the higher TellerScore (81 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Columbia Bank leads on 1 and Cottonwood Community Federal Credit Union on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.