NORTHERN REDWOOD
Charter #10362 · Arcata, CA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 7.73% sits at the 10th percentile of structural peers — worth a closer look.
- Return on average assets of -1.80% sits at the 5th percentile of structural peers — worth a closer look.
- Cost of funds of 1.38% sits at the 77th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.98% sits at the 79th percentile of structural peers — worth a closer look.
- Efficiency ratio of 110.53% sits at the 90th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | NORTHERN REDWOOD | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $24.49M | 48th pct | 44th pct |
| Members | 3,167 | 79th pct | 56th pct |
| Net worth ratio | 7.73% | 4th pct | 10th pct |
| Return on average assets | -1.80% | 3th pct | 5th pct |
| Net interest margin | 3.71% | 43th pct | 26th pct |
| Cost of funds | 1.38% | 74th pct | 77th pct |
| Loan-to-share | 54.26% | 45th pct | 48th pct |
| Delinquency 60+ days | 1.21% | 72th pct | 57th pct |
| Net charge-off ratio | 0.98% | 85th pct | 79th pct |
| Loan growth YoY | -9.44% | 8th pct | 11th pct |
| Share growth YoY | 3.05% | 56th pct | 44th pct |
| Efficiency ratio | 110.53% | 94th pct | 90th pct |
structural peer set hash: d852cadf46657359ef1b3c56f8cc90bc… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.