Cottonwood Community
Cottonwood Community is a credit union based in Cottonwood, Idaho, established in 1942, with $280 million in total assets serving 10,067 members. By Trust Grade it ranks 1st of 26 credit unions we track in Idaho. Its net worth ratio of 14.8% is stronger than 86% of similarly sized credit unions, versus a Idaho median of 10%. It was profitable over the most recent period, with a 1.47% return on assets. No consumer complaints against Cottonwood Community appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Cottonwood Community compares to Idaho peers
How we graded Cottonwood Community
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (14.8% capital ratio)
- Strongly profitable (ROA 1.47%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Cottonwood Community over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Cottonwood Community insured?
Yes. Cottonwood Community is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Cottonwood Community: frequently asked questions
Is Cottonwood Community a good credit union?
Cottonwood Community earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (14.8% capital ratio); Strongly profitable (ROA 1.47%).
Is Cottonwood Community NCUA-insured?
Yes. Cottonwood Community is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Cottonwood Community?
Cottonwood Community holds $280 million in total assets, ranking 1st of 26 credit unions we track in Idaho. It serves 10,067 members.
Does Cottonwood Community have CFPB complaints?
No CFPB complaints against Cottonwood Community appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
