Cottonwood Community Credit Union

Cottonwood Community Credit Union is headquartered in Cottonwood and is the 13^st largest credit union in the state of Idaho. It is also the 1,849^th largest credit union in the nation. It was established in 1942 and as of December of 2011, it had grown to 19 employees and 4,277 members. Cottonwood Community Credit Union's CD rates are 68% higher than the national average, and it has a 4-star health rating.

Cottonwood Community Credit Union Savings Account Rates

Cottonwood Community Credit Union CD Rates

Data for Q4 2011

Institution Statistics COTTONWOOD COMMUNITY NCUA # 4960 BankRate Report View Year Chartered 1942 Employees 19 Primary Regulator Assets and Liabilities Assets $68.10 million Loans $50.20 million Deposits $58.56 million Equity Capital $9.37 million Loan Loss Allowance $843,000 Unbacked Noncurrent Loans $1.31 million Real Estate Owned $477,000 Historic Data - December 2010 Assets $62.18 million Equity Capital $8.26 million Loan Loss Allowance $696,000 Unbacked Noncurrent Loans $2.23 million Real Estate Owned $208,000 Profit Margin - Quarterly Net Interest Margin 5.56% Return on Assets 1.63% Return on Equity 11.86% Interest Income $3.64 million Non-Interest Income $126,000

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Cottonwood Community Credit Union had $1.78 million in non-current loans and owned real-estate with $10.21 million in equity and loan loss allowances on hand to cover it. This gives Cottonwood Community Credit Union a Texas Ratio of 17.48% which is 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 27.28% as of December 31, 2010 to 17.48% as of December 31, 2011, resulting in a positive change of 35.92%.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 increased its total deposits by $4.82 million, resulting in 8.97% 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 excellent. Capitalization 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 $68.1 million in assets with $10.21 million in equity, resulting in a capitalization level of 14.99%, which is excellent.

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