COTTONWOOD COMMUNITY

Charter #4960 | ID

100M-500M (1077 CUs) Micro
9 100M-500M in ID

COTTONWOOD COMMUNITY has 10 strengths but faces 3 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 4.3% in tier
  • + Organic Growth Engine: Top 8.4% in tier
  • + Wallet Share Momentum: Top 14.0% in tier
  • + Organic Growth Leader: Top 18.6% in tier
  • + ROA 0.78% above tier average
  • + Efficiency Ratio: Top 5.0% in tier
  • + Average Member Relationship (AMR): Top 5.5% in tier
  • + Loan-to-Member Ratio (LMR): Top 5.8% in tier
  • + Deposit Growth Rate: Top 9.6% in tier
  • + Net Charge-Off Rate: Top 9.7% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 15.7% in tier
  • - Members Per Employee (MPE): Bottom 6.7% in tier
  • - Fee Income Per Member: Bottom 8.1% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (ID) National Avg Tier Percentile
Members 9,979
+2.1% YoY+0.8% QoQ
 -5.6K 15,628
-3.4% YoY
 53,577
+7.1% YoY
 33,089
+6.1% YoY
 30th in tier
Assets $274.7M
+10.3% YoY+3.9% QoQ
 +$43.4M $231.3M
-0.0% YoY
 $936.8M
+11.3% YoY
 $547.7M
+7.8% YoY
 69th in tier
Loans $173.4M
+4.8% YoY-1.0% QoQ
 +$25.6M $147.8M
-1.4% YoY
 $777.6M
+12.0% YoY
 $388.7M
+8.6% YoY
 68th in tier
Deposits $234.7M
+10.7% YoY+4.1% QoQ
 +$34.4M $200.3M
-0.0% YoY
 $812.6M
+12.3% YoY
 $464.6M
+9.3% YoY
 67th in tier
ROA 1.6%
+21.8% YoY+4.6% QoQ
 +0.8% 0.8%
+15.5% YoY
 0.6%
-15.0% YoY
 0.7%
+273.4% YoY
 Top 10.5% in tier
NIM 3.4%
+7.7% YoY-0.6% QoQ
 -0.2% 3.6%
+6.9% YoY
 3.7%
+5.1% YoY
 3.7%
+5.0% YoY
 37th in tier
Efficiency Ratio 55.8%
-5.8% YoY-2.3% QoQ
 -21.5% 77.3%
-3.0% YoY
 73.1%
-2.3% YoY
 79.1%
-3.3% YoY
 Bottom 5.0% in tier
Delinquency Rate 0.4%
-74.0% YoY-60.5% QoQ
 -0.4 0.9%
+7.6% YoY
 0.9%
-2.1% YoY
 1.2%
-0.9% YoY
 29th in tier
Loan To Share 73.9%
-5.3% YoY-4.9% QoQ
 +1.2% 72.7%
-1.5% YoY
 85.6%
-1.1% YoY
 68.0%
-1.7% YoY
 50th in tier
AMR $40,895
+5.9% YoY+1.0% QoQ
 +$17K $24,363
+2.9% YoY
 $24,176
+3.9% YoY
 $19,418
+1.3% YoY
 Top 5.6% in tier
CD Concentration 28.9%
-5.9% YoY-7.8% QoQ
 +4.5% 24.4%
+4.2% YoY
 27.1%
+1.8% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 4.9%
-10.2% YoY-7.5% QoQ
 -9.1% 14.0%
-5.8% YoY
 12.1%
-5.5% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (4)

Relationship Depth Leader

growth
#119 of 1006 • Top 4.3% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 5.90%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $4.2K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Organic Growth Engine

growth
#155 of 603 • Top 8.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.12%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 1.57%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 4.90%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Wallet Share Momentum

growth
#386 of 1006 • Top 14.0% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 5.90%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Organic Growth Leader

growth
#246 of 430 • Top 18.6% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 2.12%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank improving

Concerns (1)

Liquidity Overhang

risk
#243 of 552 • Bottom 15.7% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 14.33%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 73.91%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank worsening

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 1077 peers in tier

Top Strengths (8 metrics)

55
Efficiency Ratio
profitability
Value: 55.79%
Peer Avg: 77.28%
#55 of 1077 Top 5.0% in 100M-500M tier
60
Average Member Relationship (AMR)
engagement
Value: $40,895
Peer Avg: $24,363
#60 of 1077 Top 5.5% in 100M-500M tier
63
Loan-to-Member Ratio (LMR)
engagement
Value: $17,380
Peer Avg: $10,245
#63 of 1077 Top 5.8% in 100M-500M tier
104
Deposit Growth Rate
growth
Value: 10.72%
Peer Avg: 4.69%
#104 of 1077 Top 9.6% in 100M-500M tier
106
Net Charge-Off Rate
risk
Value: 0.06%
Peer Avg: 0.47%
#106 of 1077 Top 9.7% in 100M-500M tier
112
Asset Growth Rate
growth
Value: 10.31%
Peer Avg: 4.70%
#112 of 1077 Top 10.3% in 100M-500M tier
113
Return on Assets (ROA)
profitability
Value: 1.57%
Peer Avg: 0.79%
#113 of 1077 Top 10.4% in 100M-500M tier
205
Net Worth Ratio
risk
Value: 14.33%
Peer Avg: 12.15%
#205 of 1077 Top 18.9% in 100M-500M tier

Top Weaknesses (3 metrics)

1006
Members Per Employee (MPE)
engagement
Value: 212.319
Peer Avg: 332.881
#1006 of 1077 Bottom 6.7% in 100M-500M tier
991
Fee Income Per Member
profitability
Value: $82.28
Peer Avg: $174.31
#991 of 1077 Bottom 8.1% in 100M-500M tier
902
First Mortgage Concentration (%)
balance_sheet
Value: 47.58%
Peer Avg: 30.43%
#902 of 1077 Bottom 16.3% in 100M-500M tier