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
- RANK 96/100
- PHOTO 13.3%
- BOOK 0.71%
- CHARTER 1.18%
- NCUSIF $9.76B
- CAMELS 409,914
- HEALTH #241/4,374
- NW ESL
- DELQ 60793
Call Report peers
REDWOOD in the assets neighbourhood
REDWOOD's $9.76B assets sit next to ESL ($9.89B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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 - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #60793, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
REDWOOD: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 93.41% here, 83.90% peer average (+9.51 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How REDWOOD's 5300 filing moved
REDWOOD: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.9% from $9.76B (2025Q4) to $9.95B (2026Q1).
- Net-worth ratio shifted +0.19 pp (13.12% → 13.31%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 96.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Cross-state asset and health neighbours for REDWOOD - kept outside California; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($9.76B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (96/100 here).
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
- Rates and health both vary by institution, not just by state -- see how California credit unions compare overall before assuming this one is typical. California state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is REDWOOD financially healthy?
REDWOOD has a financial health score of 96/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #241 of 4,374; by total assets it ranks #27 of 4,374 nationally (same basis as /rankings/largest); and #4 of 243 within California. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 13.31% and delinquency rate of 0.71%.
How does REDWOOD compare to other credit unions?
On PlainCU's health composite, REDWOOD lands at 96/100, compared to a peer group average for Over $500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like REDWOOD are 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."
What rates does REDWOOD offer compared to banks?
Credit unions like REDWOOD are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact REDWOOD directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.