BlastPoint's Credit Union Scorecard

NORTHERN REDWOOD

Charter #10362 · CA

<100M

2508 CUs in <100M nationally 92 in CA

NORTHERN REDWOOD faces 6 concerns requiring attention

National Analysis

How does the industry compare?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- ROA 1.94% below tier average
- Efficiency ratio 19.90% above tier (higher cost structure)
- Indirect Auto Concentration (%): Bottom 2.4% in tier
- Loan Growth Rate: Bottom 2.7% in tier
- Net Worth Ratio: Bottom 4.0% in tier
- AMR Growth Rate: Bottom 6.2% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	3,167 -1.2% YoY+0.5% QoQ	+490	2,676 +1.6% YoY	57,202 -0.9% YoY	33,913 +5.7% YoY	70%
Assets	$24.5M +1.8% YoY+0.1% QoQ	$-5.7M	$30.2M +1.3% YoY	$1.2B +0.4% YoY	$578.3M +9.0% YoY	53%
Loans	$12.3M -30.4% YoY-5.6% QoQ	$-3.0M	$15.3M -2.0% YoY	$813.8M +0.1% YoY	$402.4M +8.7% YoY	57%
Deposits	$22.6M +2.8% YoY+0.5% QoQ	$-3.2M	$25.8M +0.7% YoY	$1.0B +1.2% YoY	$494.3M +9.1% YoY	56%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	-1.8% -925.9% YoY	-1.9%	0.1% -77.6% YoY	2.1% +290.7% YoY	0.4% -39.2% YoY	Bottom 5.3% in tier
NIM	3.7% -8.8% YoY-3.7% QoQ	-0.3%	4.0% +4.0% YoY	5.0% +56.5% YoY	3.8% +4.1% YoY	45%
Efficiency Ratio	110.5% +20.3% YoY+22.2% QoQ	+19.9%	90.6% +6.5% YoY	81.3% -2.7% YoY	84.6% +2.8% YoY	Bottom 9.3% in tier
Delinquency Rate	1.2% +36.3% YoY+3.9% QoQ	-0.3	1.5% +3.8% YoY	0.6% -45.1% YoY	1.2% +3.4% YoY	68%
Loan To Share	54.3% -32.3% YoY-6.1% QoQ	-4.2%	58.5% -3.0% YoY	67.3% -0.6% YoY	65.6% -1.4% YoY	44%
AMR	$10,997 -11.0% YoY-2.2% QoQ	$-4K	$14,884 -1.7% YoY	$28,733 +1.2% YoY	$19,920 +1.6% YoY	33%
CD Concentration	31.3% +44.4% YoY+3.2% QoQ	+7.0%	24.3%	21.6%	19.8%	50%
Indirect Auto %	40.4% -24.8% YoY-5.2% QoQ	+26.6%	13.8%	9.0%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (1 metrics)

505

Members Per Employee (MPE)

engagement

Value: 452.429

Peer Median: 333.750

#505 of 2508 Top 20.1% in <100M tier

Top Weaknesses (8 metrics)

2450

Indirect Auto Concentration (%)

balance_sheet

Value: 40.36%

Peer Median: 0.00%

#2450 of 2508 Bottom 2.4% in <100M tier

2441

Loan Growth Rate

growth

Value: -30.42%

Peer Median: -2.36%

#2441 of 2508 Bottom 2.7% in <100M tier

2408

Net Worth Ratio

risk

Value: 7.73%

Peer Median: 14.28%

#2408 of 2508 Bottom 4.0% in <100M tier

2375

Return on Assets (ROA)

profitability

Value: -1.80%

Peer Median: 0.61%

#2375 of 2508 Bottom 5.3% in <100M tier

2354

AMR Growth Rate

growth

Value: -10.96%

Peer Median: 1.27%

#2354 of 2508 Bottom 6.2% in <100M tier

2275

Efficiency Ratio

profitability

Value: 110.53%

Peer Median: 81.45%

#2275 of 2508 Bottom 9.3% in <100M tier

2163

Net Charge-Off Rate

risk

Value: 1.01%

Peer Median: 0.07%

#2163 of 2508 Bottom 13.8% in <100M tier

2112

Share Certificate Concentration (%)

balance_sheet

Value: 31.27%

Peer Median: 12.45%

#2112 of 2508 Bottom 15.8% in <100M tier