COTTONWOOD COMMUNITY Credit Union Profile

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COTTONWOOD COMMUNITY

Charter #4960 | NCUA Region 3 | FCU

Low-Income Designation: Yes

Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (208) 962-3451

Fax: (208) 962-7310

Founding Date: N/A

Website: https://www.ccfcu.co

Personnel & Operations

President: McElroy, Brandy

Manager: Holthaus, Clinton

FT Employees: 41

PT Employees: 2

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 00

Branches: 7

Hours: 8:00-5:00, Monday-Friday

Credit Union Profile Summary

COTTONWOOD COMMUNITY is a FCU Credit Union. With a total of 9,898 members ^[1], this institution manages approximately $264,459,986 in total assets ^[1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 14.43% ^[1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 3.95% ^[1].

Financial Snapshot

Total Assets ^[1]

$264,459,986

Total economic resources.

Total Loans ^[1]

$175,193,916

Total value of outstanding loans.

Total Deposits ^[1]

$225,509,526

Total funds deposited by members.

Members ^[1]

9,898

Number of active members.

Performance Ratios

Net Worth Ratio ^[1]

14.43%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) ^[1]

1.52%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio ^[1]

77.69%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) ^[1]

↑ 10.85%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) ^[1]

↑ 3.95%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) ^[1]

↑ 2.06%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

1606 Lewiston St

Cottonwood, ID, 83522

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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

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Branch Locations

Found 7 branches reported by COTTONWOOD COMMUNITY (Charter #4960).

Main Office

Cottonwood Branch Main Office

Type: Corporate Office

Type: Branch Office

603 N Main St

Riggins, ID 83549

Phone: (208) 628-3100

Services: Member Services, ATM, Drive-Thru

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