# COTTONWOOD COMMUNITY
Cottonwood, ID · NCUA charter 4960 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/cottonwood-community-4960

Who the members are: federal charter, community charter, organized 1942, low-income designated. 10,067 members of 21,640 potential (46.5% of the field); checking penetration 71% (share draft accounts per 100 members); loans per 100 members 113.

**Verdict on the desk:** this could be *fortress*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $280.0M |
| Members | 10,067 (2.3% YoY) |
| Full-time staff | 41 |
| Net worth | $41.4M |
| Net worth ratio | 14.8% (p88 of band) |
| ROA (annualized) | 1.47% (p90 of band) |
| Total delinquency | 0.94% (p76 of band) |
| Net charge-offs (annualized) | 0.01% (p5 of band) |
| Loans / shares | 75% (p50 of band) |
| Cash / assets | 27.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.48% (p44 of band) |
| Operating expense / assets | 2.18% (p6 of band) |
| Vehicles % of loans | 18% (p18 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 29% |
| Third-party paper % of net worth | 47% (p40 of band) |
| Vehicle delinquency | 0.36% (p32 of band) |
| Vehicle NCO | 0.17% (p18 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 51% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 102% |
| Core shares % of member funds | 35% |
| Certificates % of member funds | 27% |
| Average share balance | $9,951 |
| Participations bought / yr | $17.2M |
| Participations sold / yr | $0 |
| Participations outstanding | $10.0M |
| Loans outstanding per 100 members | 113% |
| Loans granted per 100 members, annualized | 155% |
| Average loan balance | $15,688 |
| Loans granted, annualized | $100.3M |

## Participation posture (from the same filings)

Bought $17.2M and sold $0 in the latest annualized quarter; $10.0M outstanding purchased (24.1% of net worth), $0 sold and retained. Sold in 0 and bought in 5 of the last 8 quarters. Shares 6.5% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | delinquency 2x band, loans>95% of shares |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 1 |  | delinquency 2x band |
| 2017-03 | 2 | delinquency 2x band |  |
| 2017-06 | 3 | delinquency rising |  |
| 2017-09 | 1 |  | loans>95% of shares, delinquency rising |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 2 | loans>95% of shares |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 | net worth falling | loans>95% of shares |
| 2019-03 | 1 |  | net worth falling |
| 2019-06 | 2 | loans>95% of shares |  |
| 2019-09 | 2 | delinquency rising | loans>95% of shares |
| 2019-12 | 1 |  | delinquency rising |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 2 | net worth falling |  |
| 2021-03 | 3 | margin squeeze |  |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 0 |  | delinquency 2x band, margin squeeze |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | net worth falling |  |
| 2023-03 | 1 | delinquency rising | net worth falling |
| 2023-06 | 1 | delinquency 2x band | delinquency rising |
| 2023-09 | 2 | delinquency rising, repo signal | delinquency 2x band |
| 2023-12 | 2 | net worth falling | repo signal |
| 2024-03 | 1 |  | net worth falling |
| 2024-06 | 2 | delinquency 2x band |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 1 | net worth falling | delinquency rising, delinquency 2x band |
| 2025-03 | 2 | delinquency rising |  |
| 2025-06 | 0 |  | net worth falling, delinquency rising |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-12-02 [Elizabeth Rose Forsmann Higgins - The Lewiston Tribune](https://news.google.com/rss/articles/CBMigwFBVV95cUxOcWFqcVh6V1VkZ3pRSE9Pb0tMQV9oWkNHa1BaeFZYMTB2UHFidTNac0Q1RThnSER5LWZUXzY2MWcwbk84b3lGeXh2UEliQl9fc0FuSU81cVE4dGFYaU41OVo4SEo1aEpjT3p3UkpZUm5JbGd2cmppRFJPNEhJODMwZl9NSQ?oc=5) · The Lewiston Tribune
- 2020-06-23 [Cottonwood Community Federal Credit Union - Idaho County Free Press](https://news.google.com/rss/articles/CBMi2wFBVV95cUxPSGhzM2paS1NIT29nZTFaQ1RCdS1KWk8yYnNXU3cwRlU5RVlaR0ZJZGFsY1VYRkZUYmNzUVFfVEtHZ1NjNVJZeHpFY29TeTBFcWUxenhWT3J5eE5aMDA4YUZLZ0g4RXNHWjJGcmJhczhRUjVlUzk3ZXZZcDdMa0I2b0tZZzNEZUI2XzgwZlBJYUxUSVRfQmhVdHJCUE41LUhaVkd3ckNBb1JpN0dCWVZnLTVFVW56ZzlXcjhTNVNCM09sRVJGcGZFY04zZ1MzQW9iRTFVcEt1cnQ5Vlk?oc=5) · Idaho County Free Press
- 2025-04-10 [Cottonwood Community Federal Credit Union - Idaho County Free Press](https://news.google.com/rss/articles/CBMixwFBVV95cUxOUEFUYnh4Q01fbDU3Z3hqZ1BQdDczRjlGaVpnZEtuWm54WVpDLTQyMHVick14U3lvRGRBSjJUdjN6amh5T2tRMTFLNV9ENWdxZThiOXoxWUZ0X0xSVzYyZTF5YUJvTDdvR2htc1FHeG5Pa25jeklyUDJIclIxVzVDZUFpQXQ0ZS1ZcXJTcGJCYWZObHJNeTZka3FoYWYxNDZUb1ZCUFhldG9IX05mUUVrLTNCaVZhbmdHWVZTQ0lxTGRMVjY3YnQw?oc=5) · Idaho County Free Press
- 2024-02-29 [Google Wallet now supports 40 more banks - can you finally pay by phone? - zdnet.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxNdElTT1pXSzdNcE5QV3Z2ZUNXVjJyQmk1LXlzNE5UN3ZmYjU1d3RXYTBFVlpSbGJSc1hOV2UxbXFacDVHSlJHUk90WDJZcDBWM1lBV2xzWjU4YldCNmdKSTJlZHlmM1NqTDlHXzZVRzhfX0NkZTh1eTEtMWkxZ0RiY18ybXBTNVJWUWdiSmlXRVU2Z2N2NXIzbU5EZjE5Mm5uNnc?oc=5) · zdnet.com
- 2019-03-13 [Cottonwood Community Federal Credit Union - Idaho County Free Press](https://news.google.com/rss/articles/CBMi2wFBVV95cUxPckVtNlRobGlwb3lVMU9Hb1VVTFdBeGFfQVlTNmk5azNCYThlSy11NWZpNFE5WVlQc2l1QUZCUmlPd0hDM2oxb2k5OFg1b0htWlJFMndIUjVJMWZEV051bTE2aFU2NXVmRmNyUkdibWFnZ3VoNkJtLU1zc0hGSXA2ZTFjZnZHb0ZxaHZKbFlXTHJ1R3otQ3VBaWFBclRWQ052VDgtRE53bTllV3RjMTdzeTU1bDl6S1RwMEl1T3RlRWNLMkVxWWVfdzJUYXhXcXoyZzBHN3dfSFlwcjg?oc=5) · Idaho County Free Press
- 2011-06-27 [Wendi Rene' McNeilly, 46, Helmer, Idaho - The Lewiston Tribune](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNVkhRWTh1ekdmdjlMYm0xVkl6cTZGNUttWHZEV1VXb3pobTVCaUpHTlZaOFhmUFk3X0N6bElxMnZrY0ZMdllWQkJCTVBQcllMVE5JWndwb1Y3X1RHamEzUGtKNUxMb1o2d0JqY0p6bVR4UlMySTFUeGFibVkzU3IySjV2aGd4QWdv?oc=5) · The Lewiston Tribune
- 2021-05-29 [Cottonwood Community Federal Credit Union - Idaho County Free Press](https://news.google.com/rss/articles/CBMi2wFBVV95cUxQR0o5NVBKNFRGSE5fa19PdjJ1aGJfU3ZhalRDa2RLcXpnNWZ6U3g2dDUwS1NMTnRXTzN2TUFKVGFXWHQzSVNEUEF3Wm92NE1nbTJaYUlKc0J6NUc4V2pod0E1X3otdzRoT0xjQTFVTFFuNDRjLVY5Vmp1dktpckJtd21JMUh2TUk5VWJHYmQ2UURUVHA0UEdSRDU3LVBaV1B5WDU4VjFSYW43ZU15eE9DRXA4ZWNLOVJTcHg3UzUyb1ZlQW1naTBGRkhERzBzV2tpQUpkZHhTVFFPRWM?oc=5) · Idaho County Free Press
- 2026-01-14 [It's Your Business: GHR blessed with Christmas cheer; DermaFit moves - Idaho County Free Press](https://news.google.com/rss/articles/CBMi-gFBVV95cUxOUzBISDhEaUVteVpIT1Q5dUJ4M2N4Q19VMzA1aDlubWt1UU1hbGtSYjFVemNjRkIxQ0NMRGJmdmttMDNmUjN4VlZtSU0zZ3BaQk9JLU1oQmtyNDAySXJHUWNlT3FhQXBKeTBFaG9MV2VsUHM5QW8wMkVtZ1hkTGEyWHExYk9HeVdINmpvVjlVQmpBWDNxVThEem5Ca2twTGlSTlVzTTl5TS1UWUpqblVMU3ZSbjhPbTcyOS1jcktkdkl3RU9EVWc5ZG9MZkhCNHhRUWlFSUl2bXQ5bjR6SnlDMU4ySk1faUlTLXQyTWJHckRvU3d0QUs5UEZB?oc=5) · Idaho County Free Press

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=4960 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/32.json (key "4960", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=4960
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide