Freedom Northwest vs Cottonwood Community
Comparing a Credit Union in Kamiah, ID with a Credit Union in Cottonwood, ID using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Freedom Northwest ↗ Credit Union · Kamiah, ID · Est. 1963 | Cottonwood Community ↗ Credit Union · Cottonwood, ID · Est. 1942 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Credit Union | Credit Union |
| Location | Kamiah, ID | Cottonwood, ID |
| Total assets | $667.8M | $280.0M |
| Net worth ratio | 13.2% | 14.8% |
| Return on assets | 2.4% | 1.5% |
| Shares & deposits | — | — |
| Members | 13,031 | 10,067 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #3 of 26 | #1 of 26 |
| Established | 1963 | 1942 |
Freedom Northwest
- Assets: $667.8M
- Members: 13,031
- Capital ratio: 13.2%
- Return on assets: 2.4%
- CFPB complaints: 0
- State rank: #3 of 26
Cottonwood Community
- Assets: $280.0M
- Members: 10,067
- Capital ratio: 14.8%
- Return on assets: 1.5%
- CFPB complaints: 0
- State rank: #1 of 26
Are both institutions federally insured?
Yes. Freedom Northwest is NCUA-insured and Cottonwood Community is NCUA-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Freedom Northwest or Cottonwood Community?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Freedom Northwest scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Freedom Northwest safe?
Yes — Freedom Northwest is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Cottonwood Community safe?
Yes — Cottonwood Community is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Freedom Northwest vs Cottonwood Community?
Freedom Northwest has a net worth ratio of 13.2%, placing it in the top 26% of $100M–1B peers. Cottonwood Community's ratio is 14.8%, placing it in the top 14% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Freedom Northwest have compared to Cottonwood Community?
The CFPB database shows 0 complaints against Freedom Northwest, and 0 complaints against Cottonwood Community. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Freedom Northwest with other Credit Unions in Idaho
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
