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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.34% | 0.54% | 0.87% | 1.36% | Beats 68% | 8 / 25 | |
| Return on Equity | 10.76% | 5.49% | 9.20% | 10.99% | Beats 68% | 8 / 25 | |
| Net Interest Margin | 3.39% | 2.86% | 3.13% | 3.50% | Beats 64% | 9 / 25 | |
| Efficiency Ratio | 52.53% | 54.62% | 61.07% | 70.28% | Beats 80% | 6 / 25 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.72% | 0.64% | 0.92% | 1.30% | Beats 72% | 8 / 25 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.41% | 9.55% | 10.72% | 11.84% | Beats 76% | 6 / 25 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.41% | 9.55% | 10.72% | 11.84% | Beats 76% | 6 / 25 | |
| Liquidity & Funding |
| Loans / Deposits | 91.37% | 81.23% | 88.75% | 93.33% | 56th pctl | 11 / 25 | |
| Loans / Assets | 79.23% | 68.82% | 78.26% | 79.51% | 68th pctl | 8 / 25 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |