Sep, 30, 2025 — COTTONWOOD COMMUNITY FEDERAL CREDIT UNION is a federal credit union headquartered in COTTONWOOD, ID with 7 branch locations and about $274.72 million in total assets. Opened 84 years ago in 1942, COTTONWOOD COMMUNITY FEDERAL CREDIT UNION has about 9,979 members and employs 47 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | COTTONWOOD COMMUNITY FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 1606 Lewiston St COTTONWOOD, ID 83522 |
| Phone: | (208) 962-3451 |
| Fax: | (208) 962-7310 |
| Website: | https://www.ccfcu.co |
| Branches: | 7 branch locations |
| Members: | 9,979 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 4960 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1942 |
| Last Audited: | Sep 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $274,717,108 |
| CEO/Manager: | Clinton J Holthaus |
| Chairperson: | Brandy McElroy |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 6,917,000 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 102,797,016 |
| Unsecured Loans | 1,913,144 |
| Other Loans | 66,196,497 |
| TOTAL LOANS | 173,434,354 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -1,704,177 |
| Land And Building | 3,437,580 |
| Other Fixed Assets | 310,369 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 1,981,163 |
| All Other Assets | 0 |
| TOTAL ASSETS | 274,717,108 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 389,641 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 333,650 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 42,185,106 |
| Regular shares | 46,162,011 |
| All Other Shares & Deposits | 146,304,907 |
| TOTAL SHARES & DEPOSITS | 234,652,024 |
| TOTAL LIABILITIES | 235,394,807 |
| Regular Reserve | 0 |
| Other Reserves | -16,005 |
| Undivided Earnings | 39,338,306 |
| TOTAL EQUITY | 39,322,301 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 274,717,108 |
| INCOME & EXPENSE | |
| Loan Income | 8,404,387 |
| Investment Income | 2,461,243 |
| Other Income | 145,696 |
| Total Employee Compensation & Benefits | 2,393,911 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 1,775,662 |
| Non-operating Income & (Expense) | 4,740 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 129,000 |
| Cost of Funds | 4,007,629 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 3,175,227 |
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