Cottonwood Community

Cottonwood, ID · 1 · Charter #4960 · www.ccfcu.co
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$278.9M
10th percentile
Members
10,021
2th percentile
Total loans
$173.7M
12th percentile
Total shares
$237.7M
8th percentile

Profitability

Return on assets
1.57%
84th percentile
Net interest margin
3.34%
41th percentile
Efficiency ratio
37.19%
96th percentile
Non-interest income ratio
5.32%
2th percentile

Capital & Risk

Net worth ratio
14.48%
88th percentile
Delinquency rate
0.89%
34th percentile
Net charge-off rate
0.03%
97th percentile
Loan-to-share
73.07%
33th percentile

Growth

Member growth YoY
1.97%
67th percentile
Asset growth YoY
10.06%
86th percentile
Loan growth YoY
5.87%
60th percentile
Share growth YoY
9.78%
87th percentile

Operations

Members / branch
1,432
0th percentile
Assets / member
$27,832
95th percentile
Field of membership penetration
46.31%
94th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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