Federal credit union · Arcata, California · NCUA charter #10362
Northern Redwood
Health score 73/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 73
- Health / 100
- $24.5M
- Total assets
- 3,151
- Members
- 7.7%
- Net-worth ratio
Northern Redwood scores 73/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $24.5M; members 3,151; net-worth ratio 7.73%; health rank #3,435 of 4,374; healthier than 21st of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,435 of 4,374 health · 2025Q4Northern Redwood · health 73/100 · $24.5M · 2025Q4
Call Report peers
Northern Redwood in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Northern Redwood vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Northern Redwood sits in 70-74 with 317 others.
73 21st percentile higher than 21% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where Northern Redwood diverges from peer averages
- Net Worth Ratio trails the peer set - 7.73% here, 14.86% peer average (-7.13 pp).
Northern Redwood in California
- Health composite ranks #198 of 243 among scored California credit unions.
- California assets place: #212 of 243.
- Member book place in California: #180 of 243.
- One place up in California, CHAFFEY (#197) ties at 73/100; one place down, BOPTI (#199) scores 72/100, 1 point lower.
Northern Redwood: 2025Q4 → 2026Q1
Northern Redwood: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.1% from $24.5M (2025Q4) to $24.5M (2026Q1).
- Net-worth ratio shifted -0.46 pp (8.19% → 7.73%).
7.73% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 73/100 score is built
Northern Redwood gives up 27 points in total. Member Growth costs the most, 8 of its 15; Loan-to-Share Ratio loses the least, 2.7.
- Net Worth Ratio 24.3 pts
- Delinquency Rate 18.8 pts
- Return on Assets 10.7 pts
- Member Growth 7.0 pts
- Loan-to-Share Ratio 12.2 pts
Northern Redwood health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.73% | -7.13 pp |
| Delinquency Rate | 1.17% | +0.02 pp |
| Return on Assets | 0.21% | -0.49 pp |
| Member Growth | -1.13% | - |
| Loan-to-Share Ratio | 57.78% | -2.02 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - Northern Redwood
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $24.5M | - |
| 2025Q4 | $24.5M | 3,151 |
| 2024Q4 | $23.7M | 3,187 |
| 2023Q4 | $22.8M | 3,233 |
Credit Union Details
- Charter Number
- 10362
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- California
- City
- Arcata
- Data Quarter
- 2025Q4
Branch Locations (2)
Northern Redwood operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Arcata, CA |
| Eureka Branch | Eureka, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
Other federally-insured credit unions in California, closest first by peer group and asset size.
Northern Redwood nationwide neighbourhoods
Using this data
- Northern Redwood ranks #3,435 of 4,374 nationally on financial health and #198 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Center City Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Center City Community
Frequently Asked Questions
Is Northern Redwood financially healthy?
Northern Redwood has a financial health score of 73/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,435 of 4,374 nationally on health and #198 of 243 in California. Its net worth ratio is 7.73% and its delinquency rate 1.17%.
How does Northern Redwood compare to other credit unions?
Northern Redwood scores 73/100, higher than 21% of the 4,374 scored credit unions. Its widest shortfall is net worth ratio (7.73% vs 14.86%).
How can I join Northern Redwood?
Northern Redwood operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Northern Redwood directly for the exact boundaries and application steps.
Is my money safe at Northern Redwood?
Northern Redwood is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Northern Redwood's net worth ratio of 7.73% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.