Twin River Bank vs Cottonwood Community
Comparing a Bank in Lewiston, ID with a Credit Union in Cottonwood, ID using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Twin River Bank ↗ Bank · Lewiston, ID · Est. 1979 | Cottonwood Community ↗ Credit Union · Cottonwood, ID · Est. 1942 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Credit Union |
| Location | Lewiston, ID | Cottonwood, ID |
| Total assets | $172.6M | $280.0M |
| Capital ratio | 12.6% | 14.8% |
| Return on assets | 2.9% | 1.5% |
| Deposits | $150.5M | — |
| Branches | 4 | 10,067 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #2 of 10 | #1 of 26 |
| Established | 1979 | 1942 |
Twin River Bank
- Assets: $172.6M
- Deposits: $150.5M
- Capital ratio: 12.6%
- Return on assets: 2.9%
- CFPB complaints: 0
- State rank: #2 of 10
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. Twin River Bank is FDIC-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, Twin River Bank or Cottonwood Community?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Twin River Bank 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 Twin River Bank safe?
Yes — Twin River Bank is FDIC-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 Twin River Bank vs Cottonwood Community?
Twin River Bank has a capital ratio of 12.6%, placing it in the top 22% 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 Twin River Bank have compared to Cottonwood Community?
The CFPB database shows 0 complaints against Twin River Bank, 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 Twin River Bank with other Banks in Idaho
Financial data from FDIC and NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
