Redwood Credit Union
Total assets
$9.95B
▲ +6.0% YoY
Shares & deposits
$8.56B
▲ +4.8% YoY
Loans
$8.11B
▲ +15.0% YoY
Members
417,354
▲ +6.6% YoY
ROA (annualized)
1.46%
peers 0.71%
ROE (annualized)
11.25%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | Redwood Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.0% | +5.1% | +0.9 pts |
| Share growth (YoY) | +4.8% | +4.9% | -0.0 pts |
| Loan growth (YoY) | +15.0% | +5.4% | +9.6 pts |
| ROA | 1.46% | 0.71% | +0.8 pts |
| ROE | 11.3% | 6.3% | +5.0 pts |
ROA ranks in the 92nd percentile of its peer group · Q1 2026
Profile
- Established
- 1950
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- Po Box 6104, Santa Rosa, CA, 95406
- NCUA charter #
- 60793
- RSSD ID
- 238791
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $9.95B | $8.56B | $8.11B | $1.29B | $36.4M | 1.46% | 3.61% | 0.69% | 417,354 |
| Q4 2025 | $9.76B | $8.41B | $7.86B | $1.26B | $140.9M | 1.44% | 3.49% | 0.71% | 409,914 |
| Q3 2025 | $9.68B | $8.38B | $7.60B | $1.23B | $104.0M | 1.43% | 3.45% | 0.61% | 404,512 |
| Q2 2025 | $9.50B | $8.24B | $7.37B | $1.19B | $65.3M | 1.38% | 3.40% | 0.58% | 397,709 |
| Q1 2025 | $9.38B | $8.17B | $7.05B | $1.16B | $30.8M | 1.32% | 3.30% | 0.58% | 391,532 |
| Q4 2024 | $9.11B | $7.92B | $6.87B | $1.13B | $115.2M | 1.27% | 3.12% | 0.73% | 384,778 |
| Q3 2024 | $8.82B | $7.72B | $6.69B | $1.11B | $86.5M | 1.31% | 3.17% | 0.60% | 379,157 |
| Q2 2024 | $8.60B | $7.52B | $6.53B | $1.08B | $55.1M | 1.28% | 3.18% | 0.66% | 372,791 |
Loan mix (Q1 2026): real estate $4.03B · commercial $828.5M · consumer $3.13B · securities $264.3M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Redwood Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.46% | 0.71% | 92th | |
Return on equity Annualized net income ÷ equity or net worth | 11.3% | 6.3% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.61% | 3.32% | 70th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.4% | 73.0% | 3th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Redwood Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Redwood Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Redwood Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Redwood Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
Similar credit unions
- Logix Federal Credit UnionValencia, CA · $9.72B
- Patelco Credit UnionDublin, CA · $9.62B
- Star One Credit UnionSunnyvale, CA · $9.58B
- San Diego County Credit UnionSan Diego, CA · $9.38B
- Mission Federal Credit UnionSan Diego, CA · $7.23B
- Wescom Central Credit UnionPasadena, CA · $6.47B
Selling to Redwood Credit Union?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.