State credit union · Santa Rosa, California · NCUA charter #60793
REDWOOD
Health score 96/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $9.76B
- Total assets
- 409,914
- Members
- 13.3%
- Net-worth ratio
REDWOOD scores 96/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $9.76B; members 409,914; net-worth ratio 13.31%; health rank #241 of 4,374; healthier than 93rd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#241 of 4,374 health · 2025Q4REDWOOD · health 96/100 · $9.76B · 2025Q4
Call Report peers
REDWOOD in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
REDWOOD vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); REDWOOD sits in 95-99 with 391 others.
96 Top 7% higher than 93% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
REDWOOD: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 93.41% here, 83.90% peer average (+9.51 pp).
REDWOOD in California
- Health composite ranks #19 of 243 among scored California credit unions.
- By total assets, REDWOOD is #4 of 243 in California.
- Membership ranks #6 of 243 among California CUs with a reported count (409,914 members).
- One place up in California, California Coast (#18) ties at 96/100; one place down, Santa Ana (#20) ties at 96/100.
How REDWOOD's 5300 filing moved
REDWOOD: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.9% from $9.76B (2025Q4) to $9.95B (2026Q1).
- Net-worth ratio shifted +0.19 pp (13.12% → 13.31%).
13.31% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 96/100 score is built
REDWOOD gives up 4 points in total. Delinquency Rate costs the most, 2.1 of its 25; Net Worth Ratio and Return on Assets and Member Growth score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.9 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 13.1 pts
Call Report ratios for REDWOOD
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.31% | +2.13 pp |
| Delinquency Rate | 0.71% | -0.17 pp |
| Return on Assets | 1.18% | +0.67 pp |
| Member Growth | 6.53% | - |
| Loan-to-Share Ratio | 93.41% | +9.51 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
REDWOOD filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $9.95B | - |
| 2025Q4 | $9.76B | 409,914 |
| 2024Q4 | $9.11B | 384,778 |
| 2023Q4 | $8.51B | 360,244 |
Credit Union Details
- Charter Number
- 60793
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- California
- City
- Santa Rosa
- Data Quarter
- 2025Q4
Branch Locations (24)
REDWOOD operates 24 offices across 17 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Cleveland Branch (Main Office) | Santa Rosa, CA |
| American Canyon Branch | American Canyon, CA |
| Cloverdale Branch | Cloverdale, CA |
| Lower Lake Branch | Lower Lake, CA |
| Mill Valley Branch | Mill Valley, CA |
| Napa Branch | Napa, CA |
| Napa - Backoffice | Napa, CA |
| Airport blvd | Napa, CA |
| Novato Branch | Novato, CA |
| N. McDowell Blvd Branch | Petaluma, CA |
| West Petaluma | Petaluma, CA |
| The Point Arena | Point Arena, CA |
| Rohnert Park Branch | Rohnert Park, CA |
| San Anselmo | San Anselmo, CA |
| San Francisco Site | San Francisco, CA |
| San Rafael Branch | San Rafael, CA |
| Fourth Street Branch | Santa Rosa, CA |
| Mendocino Avenue Branch | Santa Rosa, CA |
| Dutton | Santa Rosa, CA |
| Sebastopol | Sebastopol, CA |
| Sonoma | Sonoma, CA |
| Ukiah Branch | Ukiah, CA |
| Future Ukiah | Ukiah, CA |
| Windsor Branch | Windsor, 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.
REDWOOD nationwide neighbourhoods
Using this data
- REDWOOD ranks #241 of 4,374 nationally on financial health and #19 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- LOGIX is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with LOGIX
Frequently Asked Questions
Is REDWOOD financially healthy?
REDWOOD has a financial health score of 96/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #241 of 4,374 nationally on health and #19 of 243 in California. Its net worth ratio is 13.31% and its delinquency rate 0.71%.
How does REDWOOD compare to other credit unions?
REDWOOD scores 96/100, higher than 93% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (93.41% vs 83.90%).
How can I join REDWOOD?
Membership eligibility for REDWOOD depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact REDWOOD directly for current membership requirements and application steps.
Is my money safe at REDWOOD?
REDWOOD is a state-chartered 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. REDWOOD's net worth ratio of 13.31% 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.