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Redwood

Santa Rosa, CA · Charter 60793

NCUA · 24 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions any3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions any (n=25). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

76

Q2 2024Q2 2026peer median (50)

Asset Quality

72

Q2 2024Q2 2026peer median (50)

Profitability

67

Q2 2024Q2 2026peer median (50)

Liquidity

79

Q2 2024Q2 2026peer median

Efficiency

80

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Redwood

Santa Rosa, CA · Charter 60793

NCUA · 24 branches

Q2 2026

$10.7BAssets
$8.5BLoans
$9.3BShares
$1.3BNet Worth

Executive Summary

  • Earnings: ROA of 1.34%, down 4 bps year over year; NIM at 3.39%.
  • Asset quality: problem loans at 0.72% of loans (+15 bps YoY).
  • Capital: net worth / assets of 12.41%, down 14 bps from a year ago.
  • Funding: loans stand at 91.37% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.34%-4 bps YoY

Net Interest Margin (YTD, annualized)

3.39%-1 bps YoY

Efficiency Ratio (YTD, annualized)

52.53%-143 bps YoY

Net Worth / Assets

12.41%-14 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.31%1.27%1.32%1.38%1.43%1.44%1.46%1.34%-4 bps
Return on Equity10.38%10.22%10.65%10.95%11.25%11.21%11.25%10.76%-19 bps
Net Interest Margin3.17%3.12%3.30%3.40%3.45%3.49%3.61%3.39%-1 bps
Efficiency Ratio57.55%58.06%55.09%53.96%52.87%53.18%52.37%52.53%-143 bps
Growth
Asset Growth (YoY)4.66%7.05%5.16%10.56%9.79%7.12%6.01%12.64%+208 bps
Loan Growth (YoY)7.25%8.76%10.51%12.92%13.64%14.37%14.99%15.07%+214 bps
Share Growth (YoY)12.08%14.58%11.41%9.55%8.52%6.18%4.85%12.63%+308 bps
Asset Quality
Delinquent Loans / Loans0.60%0.73%0.58%0.58%0.61%0.71%0.69%0.72%+15 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.60%12.38%12.35%12.56%12.73%12.89%13.01%12.41%-14 bps
Net Worth / Assets12.60%12.38%12.35%12.56%12.73%12.89%13.01%12.41%-14 bps
Liquidity & Funding
Loans / Shares86.67%86.72%86.40%89.44%90.75%93.41%94.76%91.37%+193 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

Redwood

Santa Rosa, CA · Charter 60793 · Peer group: credit unions any (n=25)

NCUA · 24 branches

Q2 2026

$10.7BAssets
$8.5BLoans
$9.3BShares
$1.3BNet Worth

Executive Summary

  • Strongest standing: efficiency ratio outperforms 80% of credit unions any (rank 6 of 25).
  • Widest gap: net interest margin trails 36% of credit unions any (rank 9 of 25).
  • Overall: at or above the peer median on 7 of 7 directional measures.

Return on Assets

1.34%

Rank 8 of 25

Net Interest Margin

3.39%

Rank 9 of 25

Efficiency Ratio

52.53%

Rank 6 of 25

Equity / Assets

12.41%

Rank 6 of 25

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.34%0.54%0.87%1.36%Beats 68%8 / 25n/a
Return on Equity10.76%5.49%9.20%10.99%Beats 68%8 / 25n/a
Net Interest Margin3.39%2.86%3.13%3.50%Beats 64%9 / 25n/a
Efficiency Ratio52.53%54.62%61.07%70.28%Beats 80%6 / 25n/a
Asset Quality
Nonperforming Loans / Loans0.72%0.64%0.92%1.30%Beats 72%8 / 25n/a
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio12.41%9.55%10.72%11.84%Beats 76%6 / 25n/a
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets12.41%9.55%10.72%11.84%Beats 76%6 / 25n/a
Liquidity & Funding
Loans / Deposits91.37%81.23%88.75%93.33%56th pctl11 / 25n/a
Loans / Assets79.23%68.82%78.26%79.51%68th pctl8 / 25n/a
Brokered Deposits / Depositsn/aNot reported for this institution