BlastPoint's Credit Union Scorecard
COTTONWOOD COMMUNITY
Charter #4960 · ID
COTTONWOOD COMMUNITY has 8 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
- + Relationship Depth Leader: Top 50.0% in tier
- + ROA 0.67% above tier average
- + Efficiency Ratio: Top 4.6% in tier
- + Average Member Relationship (AMR): Top 5.1% in tier
- + Loan-to-Member Ratio (LMR): Top 5.7% in tier
- + Net Charge-Off Rate: Top 9.1% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - Delinquency rate 0.51% above tier average
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 7 that size in Idaho.
- Shares and deposits +7.4% year over year ($242M in shares and deposits).
- Membership: 10,125 members, +2.3% vs a year ago.
- Delinquency rate 1.39%.
- Return on assets 1.54%.
- Efficiency ratio 55.56% vs a 76.73% peer average.
- Loan-to-share ratio 75.21% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,125
+2.3% YoY+0.6% QoQ
|
-5.0K |
15,168
-2.6% YoY
|
72,350
+37.4% YoY
|
34,678
+6.6% YoY
|
33% |
| Assets |
$285.5M
+8.0% YoY+2.0% QoQ
|
+$53.5M |
$232.0M
+0.7% YoY
|
$1.3B
+42.1% YoY
|
$593.1M
+10.2% YoY
|
71% |
| Loans |
$182.1M
+4.0% YoY+1.9% QoQ
|
+$35.9M |
$146.3M
+0.2% YoY
|
$1.1B
+44.8% YoY
|
$418.6M
+10.1% YoY
|
71% |
| Deposits |
$242.2M
+7.4% YoY+1.8% QoQ
|
+$41.5M |
$200.7M
+0.2% YoY
|
$1.1B
+40.5% YoY
|
$504.8M
+10.3% YoY
|
69% |
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| ROA |
1.5%
+2.4% YoY+4.9% QoQ
|
+0.7% |
0.9%
+12.5% YoY
|
0.8%
-11.7% YoY
|
1.2%
+121.4% YoY
|
Top 11.7% in tier |
| NIM |
3.5%
+3.8% YoY+1.8% QoQ
|
-0.1% |
3.7%
+4.5% YoY
|
3.6%
+0.7% YoY
|
3.8%
+2.3% YoY
|
41% |
| Efficiency Ratio |
55.6%
-2.7% YoY-3.6% QoQ
|
-21.2% |
76.7%
-0.8% YoY
|
77.8%
+6.1% YoY
|
83.0%
-5.3% YoY
|
Top 4.6% in tier |
| Delinquency Rate |
1.4%
+30.8% YoY+47.8% QoQ
|
+0.5 |
0.9%
+6.6% YoY
|
0.7%
-36.1% YoY
|
1.3%
+2.6% YoY
|
83% |
| Loan To Share |
75.2%
-3.2% YoY+0.1% QoQ
|
+3.7% |
71.5%
-0.3% YoY
|
87.8%
+3.1% YoY
|
66.4%
-1.4% YoY
|
54% |
| AMR |
$41,907
+3.5% YoY+1.3% QoQ
|
+$17K |
$25,107
+3.2% YoY
|
$26,672
+11.3% YoY
|
$20,028
-0.9% YoY
|
Top 5.2% in tier |
| CD Concentration |
26.1%
-17.0% YoY-4.6% QoQ
|
+1.5% | 24.6% | 31.4% | 20.0% | 50% |
| Indirect Auto % |
4.7%
-12.2% YoY-12.7% QoQ
|
-9.0% | 13.6% | 14.2% | 7.7% | 50% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (2)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)