PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Redwood

Santa Rosa, CA · Charter 60793

NCUA · 24 branches

Q2 2026

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

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

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.

Financial Results

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.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.38%1.43%1.44%1.46%1.34%-4 bps
Return on Equity10.95%11.25%11.21%11.25%10.76%-19 bps
Net Interest Margin3.40%3.45%3.49%3.61%3.39%-1 bps
Efficiency Ratio53.96%52.87%53.18%52.37%52.53%-143 bps
Growth
Asset Growth (YoY)10.56%9.79%7.12%6.01%12.64%+208 bps
Loan Growth (YoY)12.92%13.64%14.37%14.99%15.07%+214 bps
Share Growth (YoY)9.55%8.52%6.18%4.85%12.63%+308 bps
Asset Quality
Delinquent Loans / Loans0.58%0.61%0.71%0.69%0.72%+15 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.56%12.73%12.89%13.01%12.41%-14 bps
Net Worth / Assets12.56%12.73%12.89%13.01%12.41%-14 bps
Liquidity & Funding
Loans / Shares89.44%90.75%93.41%94.76%91.37%+193 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps