BlastPoint's Credit Union Scorecard
NORTHERN REDWOOD
Charter #10362 · CA
NORTHERN REDWOOD faces 4 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.38% below tier average
- - Efficiency ratio 18.12% above tier (higher cost structure)
- - Indirect Auto Concentration (%): Bottom 2.7% in tier
- - Net Worth Ratio: Bottom 4.2% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 85 that size in California.
- Shares and deposits +8.9% year over year ($21.8M in shares and deposits).
- Membership: 3,143 members, -1.5% vs a year ago.
- Delinquency rate 1.07%.
- Return on assets 1.11%.
- Efficiency ratio 106.89% vs a 88.77% peer average.
- Loan-to-share ratio 55.74% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,143
-1.5% YoY-0.8% QoQ
|
+557 |
2,585
-1.7% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
70% |
| Assets |
$23.7M
+6.9% YoY-3.2% QoQ
|
$-6.6M |
$30.3M
+1.5% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
52% |
| Loans |
$12.2M
-14.1% YoY-0.7% QoQ
|
$-3.3M |
$15.5M
-1.7% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
57% |
| Deposits |
$21.8M
+8.9% YoY-3.4% QoQ
|
$-4.0M |
$25.8M
+1.1% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
55% |
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| ROA |
1.1%
+311.0% YoY-161.9% QoQ
|
-0.4% |
1.5%
+241.5% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
66% |
| NIM |
3.9%
-6.0% YoY+4.2% QoQ
|
+0.0% |
3.9%
+0.9% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
49% |
| Efficiency Ratio |
106.9%
+18.8% YoY-3.3% QoQ
|
+18.1% |
88.8%
-6.9% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
Bottom 9.4% in tier |
| Delinquency Rate |
1.1%
-29.9% YoY-11.4% QoQ
|
-0.5 |
1.5%
+2.1% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
63% |
| Loan To Share |
55.7%
-21.1% YoY+2.7% QoQ
|
-3.2% |
58.9%
-3.1% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
46% |
| AMR |
$10,810
+0.9% YoY-1.7% QoQ
|
$-4K |
$14,963
-6.8% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
32% |
| CD Concentration |
30.8%
+1.1% YoY-1.5% QoQ
|
+6.2% | 24.6% | 22.2% | 20.0% | 50% |
| Indirect Auto % |
37.3%
-22.3% YoY-7.7% QoQ
|
+23.6% | 13.6% | 9.2% | 7.7% | 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)