BlastPoint's Credit Union Scorecard
COTTONWOOD COMMUNITY
Charter #4960 · ID
COTTONWOOD COMMUNITY has 8 strengths but faces 1 concern
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 0.74% above tier average
- + Average Member Relationship (AMR): Top 5.2% in tier
- + Loan-to-Member Ratio (LMR): Top 5.2% in tier
- + Efficiency Ratio: Top 5.6% in tier
- + Net Charge-Off Rate: Top 7.2% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.17% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,067
+2.3% YoY+0.5% QoQ
|
-5.1K |
15,145
-2.5% YoY
|
55,090
+6.4% YoY
|
33,913
+5.7% YoY
|
33% |
| Assets |
$280.0M
+7.1% YoY+0.4% QoQ
|
+$48.3M |
$231.7M
+0.8% YoY
|
$983.6M
+10.6% YoY
|
$578.3M
+9.0% YoY
|
70% |
| Loans |
$178.7M
+6.0% YoY+2.9% QoQ
|
+$34.6M |
$144.1M
+0.2% YoY
|
$811.6M
+10.9% YoY
|
$402.4M
+8.7% YoY
|
71% |
| Deposits |
$237.9M
+6.5% YoY+0.0% QoQ
|
+$36.7M |
$201.1M
+0.4% YoY
|
$856.3M
+10.5% YoY
|
$494.3M
+9.1% YoY
|
68% |
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| ROA |
1.5%
-1.9% YoY-4.2% QoQ
|
+0.7% |
0.7%
+5.1% YoY
|
0.7%
-6.6% YoY
|
0.4%
-39.2% YoY
|
Top 12.1% in tier |
| NIM |
3.5%
+3.5% YoY+3.4% QoQ
|
-0.2% |
3.6%
+4.6% YoY
|
3.6%
+1.6% YoY
|
3.8%
+4.1% YoY
|
41% |
| Efficiency Ratio |
57.6%
-2.5% YoY+1.5% QoQ
|
-20.4% |
78.0%
-1.7% YoY
|
76.8%
+3.1% YoY
|
84.6%
+2.8% YoY
|
Top 5.6% in tier |
| Delinquency Rate |
0.9%
-13.3% YoY+5.1% QoQ
|
+0.2 |
0.8%
+7.1% YoY
|
0.9%
-16.7% YoY
|
1.2%
+3.4% YoY
|
73% |
| Loan To Share |
75.2%
-0.4% YoY+2.8% QoQ
|
+4.7% |
70.4%
-0.4% YoY
|
83.5%
-0.7% YoY
|
65.6%
-1.4% YoY
|
56% |
| AMR |
$41,382
+3.9% YoY+0.8% QoQ
|
+$16K |
$24,918
+2.7% YoY
|
$24,684
+3.7% YoY
|
$19,920
+1.6% YoY
|
Top 5.3% in tier |
| CD Concentration |
27.3%
-12.5% YoY-3.3% QoQ
|
+3.0% | 24.3% | 27.2% | 19.8% | 50% |
| Indirect Auto % |
5.3%
-11.4% YoY+10.6% QoQ
|
-8.5% | 13.8% | 11.8% | 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 (0)
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)