COTTONWOOD COMMUNITY
Federal • Cottonwood, Idaho • Est. 1942
Quick Facts
- Charter Number
- #4960
- Type
- Federal
- Established
- 1942
- Headquarters
- Cottonwood, Idaho 83522
- Address
- 1606 Lewiston St
- Branches
- 7
- ATMs
- 6
- Members
- 10,067
- Membership Type
- Other/Unknown
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 10% and a delinquency rate below 1%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
10,067 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | COTTONWOOD COMMUNITY |
|---|---|
| Total Assets | $280.0M |
| Members | 10,067 |
| Loans Outstanding | $178.7M |
| Shares & Deposits | $237.9M |
| Net Worth | $41.4M |
| Net Worth Ratio | 14.79% |
| Loan-to-Share Ratio | 75.2% |
| Delinquency Rate | 0.94% |
| Net Income | +$1,025,587 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
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.
Find More Credit Unions in Idaho
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View Idaho RankingsFrequently Asked Questions
COTTONWOOD COMMUNITY is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, COTTONWOOD COMMUNITY has 10,067 members and a potential membership field of 21,640 people.
COTTONWOOD COMMUNITY's reported net worth ratio is 14.79% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
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 (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or COTTONWOOD COMMUNITY. All financial data is for informational purposes only.