BlastPoint's Credit Union Scorecard

NORTHERN REDWOOD

Charter #10362 · CA

2556 CUs in <100M nationally 91 in CA

NORTHERN REDWOOD faces 5 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 0.60% below tier average
- Efficiency ratio 7.87% above tier (higher cost structure)
- Indirect Auto Concentration (%): Bottom 2.3% in tier
- Net Worth Ratio: Bottom 5.5% in tier
- Loan Growth Rate: Bottom 9.3% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	3,151 -1.1% YoY-0.9% QoQ	+535	2,615 -1.9% YoY	60,320 +5.7% YoY	33,374 +5.7% YoY	69%
Assets	$24.5M +3.3% YoY+1.9% QoQ	$-5.7M	$30.1M +2.1% YoY	$1.3B +6.2% YoY	$561.6M +9.7% YoY	53%
Loans	$13.0M -15.9% YoY-4.1% QoQ	$-2.8M	$15.8M -1.3% YoY	$856.7M +6.3% YoY	$397.0M +8.8% YoY	58%
Deposits	$22.5M +3.8% YoY+2.5% QoQ	$-3.2M	$25.7M +1.4% YoY	$1.1B +7.1% YoY	$477.3M +9.7% 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	0.0% -92.1% YoY-92.2% QoQ	-0.6%	0.6% +10.8% YoY	0.5% +14.3% YoY	0.7% +15.9% YoY	17%
NIM	3.9% -3.3% YoY-4.5% QoQ	-0.1%	4.0% +4.0% YoY	3.3% +7.0% YoY	3.8% +5.1% YoY	48%
Efficiency Ratio	90.4% -2.6% YoY-0.4% QoQ	+7.9%	82.6% -2.3% YoY	80.7% -1.8% YoY	79.7% -3.3% YoY	76%
Delinquency Rate	1.2% -38.1% YoY+28.9% QoQ	-0.4	1.6% -3.1% YoY	0.7% -40.0% YoY	1.3% -2.1% YoY	65%
Loan To Share	57.8% -19.0% YoY-6.4% QoQ	-2.8%	60.6% -3.1% YoY	68.6% -1.3% YoY	67.4% -1.7% YoY	46%
AMR	$11,247 -3.3% YoY+0.9% QoQ	$-4K	$14,783 -1.4% YoY	$28,728 +2.4% YoY	$19,687 +2.0% YoY	35%
CD Concentration	30.3% +5.0% YoY+12.2% QoQ	+5.9%	24.4%	21.7%	19.8%	50%
Indirect Auto %	42.6% -13.5% YoY-7.6% QoQ	+28.8%	13.8%	9.2%	7.8%	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 2556 peers in tier

Top Strengths (1 metrics)

524

Members Per Employee (MPE)

engagement

Value: 450.143

Peer Median: -

#524 of 2556 Top 20.5% in <100M tier

Top Weaknesses (8 metrics)

2498

Indirect Auto Concentration (%)

balance_sheet

Value: 42.60%

Peer Median: -

#2498 of 2556 Bottom 2.3% in <100M tier

2416

Net Worth Ratio

risk

Value: 8.19%

Peer Median: -

#2416 of 2556 Bottom 5.5% in <100M tier

2320

Loan Growth Rate

growth

Value: -15.88%

Peer Median: -

#2320 of 2556 Bottom 9.3% in <100M tier

2123

Share Certificate Concentration (%)

balance_sheet

Value: 30.30%

Peer Median: -

#2123 of 2556 Bottom 17.0% in <100M tier

2117

Return on Assets (ROA)

profitability

Value: 0.02%

Peer Median: -

#2117 of 2556 Bottom 17.2% in <100M tier

2085

Net Charge-Off Rate

risk

Value: 0.90%

Peer Median: -

#2085 of 2556 Bottom 18.5% in <100M tier

1991

AMR Growth Rate

growth

Value: -3.29%

Peer Median: -

#1991 of 2556 Bottom 22.1% in <100M tier

1940

Efficiency Ratio

profitability

Value: 90.42%

Peer Median: -

#1940 of 2556 Bottom 24.1% in <100M tier