BlastPoint's Credit Union Scorecard

REDWOOD

Charter #60793 · CA

Large 7B-10B
33 CUs in 7B-10B nationally 7 in CA
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REDWOOD has 10 strengths but faces 2 concerns

National Analysis

How does the industry compare?
Large Tier

What's your peer group doing?
CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 3.8% in tier
  • + Relationship Depth Leader: Top 64.3% in tier
  • + ROA 0.48% above tier average
  • + Net Interest Margin 0.53% above tier average
  • + Strong member growth: 6.5% YoY
  • + Total Loans: Top 3.0% in tier
  • + Member Growth Rate: Top 6.1% in tier
  • + Total Deposits: Top 6.1% in tier
  • + Efficiency Ratio: Top 9.1% in tier
  • + Loan Growth Rate: Top 9.1% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 37.5% in tier
  • - Indirect Auto Dependency: Bottom 73.5% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 409,914
+6.5% YoY+1.3% QoQ
 -36.0K 445,922
+0.4% YoY
 60,320
+5.7% YoY
 33,374
+5.7% YoY
 39%
Assets $9.8B
+7.1% YoY+0.8% QoQ
 +$826.6M $8.9B
+0.9% YoY
 $1.3B
+6.2% YoY
 $561.6M
+9.7% YoY
 82%
Loans $7.9B
+14.4% YoY+3.4% QoQ
 +$1.6B $6.3B
+0.8% YoY
 $856.7M
+6.3% YoY
 $397.0M
+8.8% YoY
 Top 6.1% in tier
Deposits $8.4B
+6.2% YoY+0.4% QoQ
 +$893.6M $7.5B
+1.2% YoY
 $1.1B
+7.1% YoY
 $477.3M
+9.7% YoY
 Top 9.1% in tier

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 1.4%
+12.8% YoY+0.3% QoQ
 +0.5% 1.0%
+27.8% YoY
 0.5%
+14.3% YoY
 0.7%
+15.9% YoY
 85%
NIM 3.5%
+10.2% YoY+0.5% QoQ
 +0.5% 3.0%
+12.0% YoY
 3.3%
+7.0% YoY
 3.8%
+5.1% YoY
 73%
Efficiency Ratio 53.2%
-8.4% YoY+0.6% QoQ
 -11.6% 64.8%
-2.3% YoY
 80.7%
-1.8% YoY
 79.7%
-3.3% YoY
 Bottom 9.1% in tier
Delinquency Rate 0.7%
-3.4% YoY+15.1% QoQ
 -0.0 0.7%
+5.5% YoY
 0.7%
-40.0% YoY
 1.3%
-2.1% YoY
 46%
Loan To Share 93.4%
+7.7% YoY+2.9% QoQ
 +10.0% 83.4%
-0.6% YoY
 68.6%
-1.3% YoY
 67.4%
-1.7% YoY
 64%
AMR $39,694
+3.2% YoY+0.5% QoQ
 +$5K $34,266
-1.7% YoY
 $28,728
+2.4% YoY
 $19,687
+2.0% YoY
 79%
CD Concentration 30.3%
+1.2% YoY+2.9% QoQ
 +1.2% 29.1% 21.7% 19.8% 54%
Indirect Auto % 22.5%
-2.4% YoY-0.0% QoQ
 +5.4% 17.1% 9.2% 7.8% 67%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth
#3 of 54 • Top 3.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 6.53%
(Tier: 4.35%, National: 4.32%)
better than tier avg
Return on Assets: 1.45%
(Tier: 0.90%, National: 0.67%)
better than tier avg
Indirect Auto %: 22.48%
(Tier: 17.09%, National: 7.78%)
but worse than tier avg
54 of 68 Large CUs have this signature | 913 nationally
→ No prior data (54 CUs now) | New qualifier

Relationship Depth Leader

growth
#10 of 15 • Top 64.3% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature
AMR Growth (YoY): 3.24%
(Tier: 3.92%, National: 4.00%)
but worse than tier avg
Share Draft per Member: $4.6K
(Tier: $3.3K, National: $2.0K)
better than tier avg
15 of 68 Large CUs have this signature | 351 nationally
↑ Growing +6 CUs YoY | Rank worsening

Concerns (2)

Liquidity Strain

risk
#13 of 33 • Bottom 37.5% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 93.41%
(Tier: 84.88%, National: 67.44%)
but better than tier avg
Loan Growth (YoY): 14.37%
(Tier: 6.96%, National: 111.96%)
but better than tier avg
33 of 68 Large CUs have this signature | 439 nationally
↑ Growing +6 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#26 of 35 • Bottom 73.5% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 7.12%
(Tier: 8.38%, National: 3.54%)
worse than tier avg
Indirect Auto %: 22.48%
(Tier: 17.09%, National: 7.78%)
worse than tier avg
Member Growth (YoY): 6.53%
(Tier: 4.35%, National: 4.32%)
but better than tier avg
35 of 68 Large CUs have this signature | 745 nationally
→ Stable (35→35 CUs) | Rank worsening

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)

Comparing against 33 peers in tier

Top Strengths (11 metrics)

2
Total Loans
balance_sheet
Value: $7.86B
Peer Median: -
#2 of 33 Top 3.0% in 7B-10B tier
3
Member Growth Rate
growth
Value: 6.53%
Peer Median: -
#3 of 33 Top 6.1% in 7B-10B tier
3
Total Deposits
balance_sheet
Value: $8.41B
Peer Median: -
#3 of 33 Top 6.1% in 7B-10B tier
4
Efficiency Ratio
profitability
Value: 53.18%
Peer Median: -
#4 of 33 Top 9.1% in 7B-10B tier
4
Loan Growth Rate
growth
Value: 14.37%
Peer Median: -
#4 of 33 Top 9.1% in 7B-10B tier
5
Return on Assets (ROA)
profitability
Value: 1.45%
Peer Median: -
#5 of 33 Top 12.1% in 7B-10B tier
6
Total Assets
balance_sheet
Value: $9.76B
Peer Median: -
#6 of 33 Top 15.2% in 7B-10B tier
7
Average Member Relationship (AMR)
engagement
Value: $39,694
Peer Median: -
#7 of 33 Top 18.2% in 7B-10B tier
7
Loan-to-Member Ratio (LMR)
engagement
Value: $19,171
Peer Median: -
#7 of 33 Top 18.2% in 7B-10B tier
9
Net Interest Margin (NIM)
profitability
Value: 3.50%
Peer Median: -
#9 of 33 Top 24.2% in 7B-10B tier

Top Weaknesses (0 metrics)

No weakness rankings available
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