Cottonwood Community Federal Credit Union is a federal credit union headquartered in Cottonwood, Idaho, in business for about 84 years. At the end of Q2 2026 it reported $285.5M in total assets and $242.2M in member shares and deposits, with 2 offices.
Cottonwood Community Federal Credit Union has a TellerScore of 81 out of 100 (strong) based on Q2 2026 data — higher than 80% of its 1,341 credit unions with $100 million – $1 billion. Among 26 credit unions headquartered in Idaho, it ranks 6th. Capital cushion contributes the most (99/100, 14.91%); loan quality contributes the least (54/100, 1.39%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (82 → 81).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 74 |
| Q3 2024 | 75 |
| Q4 2024 | 77 |
| Q1 2025 | 81 |
| Q2 2025 | 82 |
| Q3 2025 | 88 |
| Q4 2025 | 84 |
| Q1 2026 | 84 |
| Q2 2026 | 81 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 14.84% |
| Q3 2024 | 14.62% |
| Q4 2024 | 14.28% |
| Q1 2025 | 14.21% |
| Q2 2025 | 14.43% |
| Q3 2025 | 14.33% |
| Q4 2025 | 14.48% |
| Q1 2026 | 14.79% |
| Q2 2026 | 14.91% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.59% |
| Q3 2024 | 1.61% |
| Q4 2024 | 0.96% |
| Q1 2025 | 1.08% |
| Q2 2025 | 1.06% |
| Q3 2025 | 0.42% |
| Q4 2025 | 0.89% |
| Q1 2026 | 0.94% |
| Q2 2026 | 1.39% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.14% |
| Q3 2024 | 1.26% |
| Q4 2024 | 0.85% |
| Q1 2025 | 1.47% |
| Q2 2025 | 1.49% |
| Q3 2025 | 1.54% |
| Q4 2025 | 1.52% |
| Q1 2026 | 1.47% |
| Q2 2026 | 1.52% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 81 | $285.5M | 14.91% | 1.39% | 1.52% | 75.2% |
| Q1 2026 | 84 | $280.0M | 14.79% | 0.94% | 1.47% | 75.2% |
| Q4 2025 | 84 | $278.9M | 14.48% | 0.89% | 1.52% | 73.1% |
| Q3 2025 | 88 | $274.7M | 14.33% | 0.42% | 1.54% | 73.9% |
| Q2 2025 | 82 | $264.5M | 14.43% | 1.06% | 1.49% | 77.7% |
| Q1 2025 | 81 | $261.4M | 14.21% | 1.08% | 1.47% | 75.4% |
| Q4 2024 | 77 | $253.4M | 14.28% | 0.96% | 0.85% | 75.8% |
| Q3 2024 | 75 | $249.0M | 14.62% | 1.61% | 1.26% | 78.1% |
| Q2 2024 | 74 | $238.6M | 14.84% | 1.59% | 1.14% | 83.4% |
1,341 peers · $100 million – $1 billion
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Idaho
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Advantage Plus Federal Credit UnionCredit union Pocatello, ID | 64 out of 100, Moderate | $292.4M | 9.7% | 0.36% | vs |
| Lewis Clark Credit UnionCredit union Lewiston, ID | 67 out of 100, Moderate | $270.4M | 11.0% | 0.62% | vs |
| Lookout Federal Credit UnionCredit union Pocatello, ID | 49 out of 100, Below average | $313.7M | 7.6% | 1.36% | vs |
| Connections Credit UnionCredit union Pocatello, ID | 50 out of 100, Below average | $256.1M | 8.5% | 1.27% | vs |
| Trugrocer Federal Credit UnionCredit union Boise, ID | 73 out of 100, Strong | $320.1M | 16.0% | 0.81% | vs |
| Clarity Credit UnionCredit union Nampa, ID | 59 out of 100, Moderate | $235.6M | 9.7% | 0.99% | vs |
Deposit insurance
Is my money safe at Cottonwood Community Federal Credit Union?
Yes. Cottonwood Community Federal Credit Union is a federally insured credit union (NCUA charter #4960). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 12.4% of shares and deposits ($30.0M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.
The net worth ratio is 14.91%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
Cottonwood Community Federal Credit Union lists 2 offices in 2 cities. Most locations:
- Cottonwood, ID (1)
- Craigmont, ID (1)
Identity & history
Profile
- Legal name
- Cottonwood Community Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 4960
- RSSD ID
- 223377
- Primary regulator
- NCUA
- Established
- 1942
- Headquarters
- PO Box 507, Cottonwood, ID 83522
- Employees
- 45
Quick answers
Cottonwood Community Federal Credit Union: common questions
Is Cottonwood Community Federal Credit Union NCUA insured?
Yes. Cottonwood Community Federal Credit Union is a federally insured credit union (NCUA charter #4960). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Cottonwood Community Federal Credit Union's TellerScore?
81 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Cottonwood Community Federal Credit Union have?
2 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Cottonwood
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Columbia BankBank Roseburg, OR | 64 out of 100, Moderate | $65.4B | 9.7% | 0.57% | vs |
| Wells Fargo Bank, National AssociationBank Sioux Falls, SD | 58 out of 100, Moderate | $1.9T | 8.0% | 1.04% | vs |
| U.S. Bank National AssociationBank Cincinnati, OH | 55 out of 100, Moderate | $705.6B | 9.5% | 1.45% | vs |