Side-by-side · Q2 2026 data
Cottonwood Community Federal Credit Union vs Clarity Credit Union
Credit union
Cottonwood Community Federal Credit Union
Cottonwood, Idaho · $100 million – $1 billion
Metric by metric
| Measure | Cottonwood Community Federal Credit Union | Clarity Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 59 |
| Capital cushion | 99 (stronger) | 47 |
| Loan quality | 54 | 67 (stronger) |
| Earnings | 81 (stronger) | 34 |
| Funding & liquidity | 85 (stronger) | 84 |
| Problem-loan coverage | 88 (stronger) | 85 |
| Peer percentile | 80th | 19th |
| Total assets | $285.5M | $235.6M |
| Deposits / shares | $242.2M | $216.6M |
| Capital ratio | 14.91% (stronger) | 9.74% |
| Problem loans | 1.39% | 0.99% (stronger) |
| Net charge-offs | 0.05% (stronger) | 0.78% |
| Return on assets | 1.52% (stronger) | 0.35% |
| Loans ÷ deposits | 75.2% (stronger) | 76.6% |
| Uninsured deposits | 12.4% | 3.3% (stronger) |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Cottonwood Community Federal Credit Union has the higher TellerScore (81 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Cottonwood Community Federal Credit Union leads on 5 and Clarity Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.