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P.O. Box 507
Cottonwood, ID 83522

Cottonwood Community Credit Union is headquartered in Cottonwood and is the 14st largest credit union in the state of Idaho. It is also the 1,780th largest credit union in the nation. It was established in 1942 and as of March of 2014, it had grown to 20 employees and 4,622 members. Cottonwood Community Credit Union's CD rates are 39% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Must live, work, worship or attend school in Idaho or Lewis County. - See Details

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Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Cottonwood Community Credit Union has a relatively low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Cottonwood Community Credit Union had $1.82 million in non-current loans and owned real-estate with $12.46 million in equity and loan loss allowances on hand to cover it. This gives Cottonwood Community Credit Union a Texas Ratio of 14.57% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Cottonwood Community Credit Union decreased slightly from 19.68% as of March 31, 2013 to 14.57% as of March 31, 2014, resulting in a positive change of 25.97%.This indicates that the balance sheet and financial strength for Cottonwood Community Credit Union has improved slightly in recent periods.

Deposit Growth


In the past year, Cottonwood Community Credit Union has decreased its total deposits by $-927,000, resulting in -1.38% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Cottonwood Community Credit Union has shown is average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Cottonwood Community Credit Union has $78.42 million in assets with $12.46 million in equity, resulting in a capitalization level of 15.89%, which is excellent.

Institution Statistics

NCUA #4960
Year Chartered1942
Primary Regulator
Assets and Liabilities
Assets$78.42 million
Loans$57.82 million
Deposits$66.26 million
Equity Capital$11.85 million
Loan Loss Allowance$605,000
Unbacked Noncurrent Loans$1.27 million
Real Estate Owned$543,000
Historic Data - March 2013
Assets$78.09 million
Equity Capital$10.67 million
Loan Loss Allowance$581,000
Unbacked Noncurrent Loans$1.27 million
Real Estate Owned$833,000
Profit Margin - Quarterly
Return on Assets1.6%
Return on Equity10.56%
Interest Income$858,000
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Cottonwood Community Credit Union Savings Account Rates

0.40%--Regular Share Account

Cottonwood Community Credit Union CD Rates

1.90%$500-5 Year Share Certificate
1.40%$500-4 Year Share Certificate
1.25%$500-3 Year Share Certificate
1.25%$500-1-3 Year Student Share Certificate
1.00%$500-2 Year Share Certificate
0.75%$500-18 Month Share Certificate
0.70%$500-1 Year Share Certificate
0.50%$500-9 Month Share Certificate
0.45%$500-6 Month Share Certificate

Cottonwood Community Credit Union Locations
Branch Office221 Main StreetCraigmont, ID 83523
Branch Office421 Oak StreetNezperce, ID 83543
Branch Office1606 Lewiston StCottonwood, ID 83522