BlastPoint's Credit Union Scorecard
NORTHERN REDWOOD
Charter #10362 · CA
NORTHERN REDWOOD has 1 strength but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.10% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.46% below tier average
- - Efficiency ratio 9.39% above tier (higher cost structure)
- - Member decline: -4.1% YoY
- - Indirect Auto Concentration (%): Bottom 2.0% in tier
- - Net Worth Ratio: Bottom 8.0% in tier
- - Loan Growth Rate: Bottom 8.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,180
-4.1% YoY-0.3% QoQ
|
+554 |
2,625
-2.2% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
70% |
| Assets |
$24.0M
-0.2% YoY+8.2% QoQ
|
$-5.9M |
$29.9M
+1.1% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
53% |
| Loans |
$13.5M
-17.2% YoY-4.4% QoQ
|
$-2.2M |
$15.8M
-2.4% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
59% |
| Deposits |
$21.9M
-0.4% YoY+9.4% QoQ
|
$-3.5M |
$25.5M
+0.4% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
55% |
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| ROA |
0.2%
-1.1% YoY-19.7% QoQ
|
-0.5% |
0.7%
-731.4% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
24% |
| NIM |
4.0%
+1.1% YoY-1.9% QoQ
|
+0.1% |
3.9%
+3.8% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
56% |
| Efficiency Ratio |
90.8%
-2.2% YoY+0.9% QoQ
|
+9.4% |
81.4%
-2.4% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
78% |
| Delinquency Rate |
0.9%
-40.4% YoY-40.9% QoQ
|
-0.6 |
1.5%
-2.0% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
58% |
| Loan To Share |
61.7%
-16.8% YoY-12.6% QoQ
|
+0.5% |
61.2%
-3.0% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
50% |
| AMR |
$11,144
-3.5% YoY+4.0% QoQ
|
$-3K |
$14,627
-2.7% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
35% |
| CD Concentration |
27.0%
+0.4% YoY-11.4% QoQ
|
+2.6% |
24.4%
+4.2% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
46.1%
-9.3% YoY-3.9% QoQ
|
+32.1% |
14.0%
-5.7% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)