COTTONWOOD COMMUNITY
Federal • Cottonwood, Idaho • Est. 1942
Quick Facts
- Charter Number
- #4960
- Type
- Federal
- Established
- 1942
- Headquarters
- Cottonwood, Idaho 83522
- Address
- PO Box 507
- Branches
- 7
- ATMs
- 6
- Members
- 10,021
- Membership Type
- Other/Unknown
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
10,021 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | COTTONWOOD COMMUNITY |
|---|---|
| Total Assets | $278.9M |
| Members | 10,021 |
| Loans Outstanding | $173.7M |
| Shares & Deposits | $237.7M |
| Net Worth | $40.4M |
| Net Worth Ratio | 14.48% |
| Loan-to-Share Ratio | 73.1% |
| Delinquency Rate | 0.89% |
| Net Income | +$4,378,994 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
7 locations · 6 ATMs
Cottonwood Branch
Main Office1606 Lewiston St
Cottonwood, ID 83522
Craigmont Branch
200 W Main Street
Craigmont, ID 83523
Nezperce Branch
410 Oak St
Nezperce, ID 83543
Downtown Cottonwood Branch
316 Main St
Cottonwood, ID 83522
Kooskia Branch
1 S Main St
Kooskia, ID 83539
Who Can Join COTTONWOOD COMMUNITY?
Membership Type: Other/Unknown
Membership eligibility for COTTONWOOD COMMUNITY may vary. Contact the credit union directly to confirm qualification requirements.
Contact COTTONWOOD COMMUNITY directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Idaho RankingsFrequently Asked Questions
Yes. COTTONWOOD COMMUNITY is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, COTTONWOOD COMMUNITY has 10,021 members and a potential membership field of 21,640 people.
COTTONWOOD COMMUNITY's net worth ratio is 14.48% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 14.5%, COTTONWOOD COMMUNITY meets this threshold.
COTTONWOOD COMMUNITY operates 7 branch locations and has access to 6 ATMs. The main office is located at 1606 Lewiston St, Cottonwood, ID 83522.
COTTONWOOD COMMUNITY was established in 1942. It is a federal credit union chartered under charter number 4960. The institution has been serving members for 84 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or COTTONWOOD COMMUNITY. All financial data is for informational purposes only.