Charter 4960 · Cottonwood, ID
Cottonwood Community Federal Credit Union
Cottonwood Community Federal Credit Union is a federally chartered credit union in Cottonwood, Idaho, with $286 million in assets and 10,125 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 14.91%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $286 million
- +8.0% in a year
- Members
- 10,125
- +2.3% in a year
- Net worth ratio
- 14.91%
- Peer median 11.65%
- Loans 60+ days late
- 1.39%
- Peer median 0.70%
- Loans outstanding
- $182 million
- +4.0% in a year
- Shares and deposits
- $242 million
- +7.4% in a year
- Branches
- 7
- 45 employees
- Opened
- 1942
- Federal charter
How Cottonwood Community Federal Credit Union compares
NCUA groups credit unions by size; Cottonwood Community Federal Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 14.91% is higher than that group's median of 11.65%, and its share of loans 60 or more days past due, 1.39%, is higher than the group median of 0.70%. Loans grew 4.0% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 12 of 26 credit unions headquartered in Idaho. See all Idaho credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $286 million | 10,125 | $182 million | 14.91% | 1.39% |
| Q1 2026 | $280 million | 10,067 | $179 million | 14.79% | 0.94% |
| Q4 2025 | $279 million | 10,021 | $174 million | 14.48% | 0.89% |
| Q3 2025 | $275 million | 9,979 | $173 million | 14.33% | 0.42% |
| Q2 2025 | $264 million | 9,898 | $175 million | 14.43% | 1.06% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 21,640 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 7 sites for Cottonwood Community Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Cottonwood Branch (main office)
1606 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 - Grangeville Pine Tree Branch
230 E Main St, Grangeville, ID 83530 - Riggins Branch
603 N Main St, Riggins, ID 83549
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology