REDWOOD
Charter #60793 · Santa Rosa, CA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 417,354 ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 13.31% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.48% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 52.37% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- On Delinquency 60+ days, the asset-size band puts this credit union at the 56th percentile but its structural peers at the 39th — a 17-point gap showing why the peer definition matters.
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 | REDWOOD | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $9.95B | 95th pct | 85th pct |
| Members | 417,354 | 91th pct | 79th pct |
| Net worth ratio | 13.31% | 85th pct | 87th pct |
| Return on average assets | 1.48% | 92th pct | 90th pct |
| Net interest margin | 3.64% | 70th pct | 70th pct |
| Cost of funds | 2.00% | 62th pct | 52th pct |
| Loan-to-share | 94.76% | 78th pct | 87th pct |
| Delinquency 60+ days | 0.69% | 56th pct | 39th pct |
| Net charge-off ratio | 0.74% | 70th pct | 56th pct |
| Loan growth YoY | 6.73% | 90th pct | 95th pct |
| Share growth YoY | 2.21% | 20th pct | 18th pct |
| Efficiency ratio | 52.37% | 3th pct | 2th pct |
structural peer set hash: 698e7cf1513185a997c63bfe7d5ddba4… (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.