COTTONWOOD COMMUNITY
Charter #4960 · Cottonwood, ID · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 14.79% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.47% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 2.18% sits at the 82nd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.01% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 57.64% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | COTTONWOOD COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $280.01M | 70th pct | 61th pct |
| Members | 10,067 | 33th pct | 34th pct |
| Net worth ratio | 14.79% | 84th pct | 79th pct |
| Return on average assets | 1.47% | 88th pct | 84th pct |
| Net interest margin | 3.49% | 39th pct | 49th pct |
| Cost of funds | 2.18% | 92th pct | 82th pct |
| Loan-to-share | 75.15% | 56th pct | 36th pct |
| Delinquency 60+ days | 0.94% | 73th pct | 70th pct |
| Net charge-off ratio | 0.01% | 7th pct | 15th pct |
| Loan growth YoY | 3.06% | 76th pct | 69th pct |
| Share growth YoY | 1.36% | 21th pct | 25th pct |
| Efficiency ratio | 57.64% | 6th pct | 7th pct |
structural peer set hash: 1cee3399797483b035d53557a7857e5c… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.