REDWOOD

Charter #60793 | CA

7B-10B (30 CUs) Large (64 CUs)
5 7B-10B in CA

REDWOOD has 12 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 2.0% in tier
  • + Relationship Depth Leader: Top 6.8% in tier
  • + Wallet Share Momentum: Top 19.7% in tier
  • + ROA 0.41% above tier average
  • + Net Interest Margin 0.48% above tier average
  • + Strong member growth: 6.7% YoY
  • + Asset Growth Rate: Top 0.0% in tier
  • + Total Deposits: Top 0.0% in tier
  • + Loan Growth Rate: Top 3.3% in tier
  • + Member Growth Rate: Top 6.7% in tier
  • + Efficiency Ratio: Top 10.0% in tier
  • + Total Loans: Top 10.0% in tier

Key Concerns

Areas that may need attention

  • - Growth-at-Risk: Bottom 13.4% in tier
  • - Indirect Auto Dependency: Bottom 17.2% in tier
  • - Credit Quality Pressure: Bottom 22.1% in tier
  • - Liquidity Strain: Bottom 25.9% in tier
  • - Liquidity Overhang: Bottom 29.1% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 404,512
+6.7% YoY+1.7% QoQ
 -54.8K 459,296
+3.8% YoY
 59,606
+5.7% YoY
 33,089
+6.1% YoY
 37th in tier
Assets $9.7B
+9.8% YoY+1.9% QoQ
 +$757.4M $8.9B
+1.2% YoY
 $1.2B
+6.2% YoY
 $547.7M
+7.8% YoY
 Top 23.3% in tier
Loans $7.6B
+13.6% YoY+3.1% QoQ
 +$1.3B $6.3B
+2.9% YoY
 $845.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 Top 13.3% in tier
Deposits $8.4B
+8.5% YoY+1.6% QoQ
 +$922.1M $7.5B
+2.3% YoY
 $1.0B
+8.8% YoY
 $464.6M
+9.3% YoY
 Top 3.3% in tier
ROA 1.4%
+9.2% YoY+4.5% QoQ
 +0.4% 1.0%
+22.1% YoY
 0.6%
+30.0% YoY
 0.7%
+273.4% YoY
 Top 20.0% in tier
NIM 3.5%
+8.4% YoY+1.9% QoQ
 +0.5% 3.0%
+11.5% YoY
 3.3%
+6.5% YoY
 3.7%
+5.0% YoY
 73rd in tier
Efficiency Ratio 52.9%
-8.1% YoY-2.0% QoQ
 -10.9% 63.7%
-2.2% YoY
 79.3%
-6.2% YoY
 79.1%
-3.3% YoY
 Bottom 10.0% in tier
Delinquency Rate 0.6%
+3.1% YoY+6.7% QoQ
 -0.1 0.7%
+10.8% YoY
 0.7%
-38.7% YoY
 1.2%
-0.9% YoY
 37th in tier
Loan To Share 90.8%
+4.7% YoY+1.5% QoQ
 +5.3% 85.4%
+0.7% YoY
 68.8%
-1.5% YoY
 68.0%
-1.7% YoY
 57th in tier
AMR $39,497
+3.9% YoY+0.6% QoQ
 +$6K $33,660
-2.9% YoY
 $28,514
+2.8% YoY
 $19,418
+1.3% YoY
 Top 16.7% in tier
CD Concentration 29.5%
+0.2% YoY-0.5% QoQ
 +0.6% 28.9%
-1.3% YoY
 21.7%
+4.2% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 22.5%
-4.3% YoY+0.3% QoQ
 +5.9% 16.6%
-10.3% YoY
 9.5%
-6.9% YoY
 7.9%
-2.9% YoY
 67th in tier

Signature Analysis

Strengths (3)

Organic Growth Engine

growth
#4 of 50 • Top 2.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 6.69%
(Tier: 3.07%, National: 9.37%)
better than tier avg
Return on Assets: 1.45%
(Tier: 0.91%, National: 0.71%)
better than tier avg
Indirect Auto %: 22.49%
(Tier: 16.60%, National: 7.90%)
but worse than tier avg
50 of 64 Large CUs have this signature | 917 nationally
→ Stable (52→50 CUs) -2 CUs YoY

Relationship Depth Leader

growth
#9 of 46 • Top 6.8% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 3.95%
(Tier: 2.82%, National: 4.19%)
better than tier avg
Share Draft per Member: $4.5K
(Tier: $3.2K, National: $2.0K)
better than tier avg
46 of 64 Large CUs have this signature | 1330 nationally
↑ Growing +18 CUs YoY

Wallet Share Momentum

growth
#24 of 46 • Top 19.7% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 3.95%
(Tier: 2.82%, National: 4.19%)
better than tier avg
46 of 64 Large CUs have this signature | 1330 nationally
↑ Growing +18 CUs YoY | Rank worsening

Concerns (5)

Growth-at-Risk

risk
#14 of 25 • Bottom 13.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 13.64%
(Tier: 4.99%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.02% points
(Tier: 0.04% points, National: 0.07% points)
but better than tier avg
25 of 64 Large CUs have this signature | 646 nationally
↓ Shrinking -13 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#18 of 33 • Bottom 17.2% in tier

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

Why This Signature
Asset Growth (YoY): 9.79%
(Tier: 4.60%, National: 3.04%)
but better than tier avg
Indirect Auto %: 22.49%
(Tier: 16.60%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 6.69%
(Tier: 3.07%, National: 9.37%)
but better than tier avg
33 of 64 Large CUs have this signature | 768 nationally
→ Stable (34→33 CUs) -1 CUs YoY

Credit Quality Pressure

risk
#28 of 34 • Bottom 22.1% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.02% points
(Tier: 0.04% points, National: 0.07% points)
but better than tier avg
34 of 64 Large CUs have this signature | 1002 nationally
↓ Shrinking -17 CUs YoY | Rank improving

Liquidity Strain

risk
#23 of 32 • Bottom 25.9% in tier

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

Why This Signature
Loan-to-Share Ratio: 90.75%
(Tier: 84.48%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 13.64%
(Tier: 4.99%, National: 36.38%)
but better than tier avg
32 of 64 Large CUs have this signature | 484 nationally
→ Stable (27→32 CUs) +5 CUs YoY | New qualifier

Liquidity Overhang

risk
#17 of 24 • Bottom 29.1% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 13.06%
(Tier: 11.62%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 90.75%
(Tier: 84.48%, National: 67.96%)
but better than tier avg
24 of 64 Large CUs have this signature | 691 nationally
↑ Growing +7 CUs YoY | 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 30 peers in tier

Top Strengths (13 metrics)

1
Asset Growth Rate
growth
Value: 9.79%
Peer Avg: 2.91%
#1 of 30 Top 0.0% in 7B-10B tier
1
Total Deposits
balance_sheet
Value: $8.38B
Peer Avg: $7.45B
#1 of 30 Top 0.0% in 7B-10B tier
2
Loan Growth Rate
growth
Value: 13.64%
Peer Avg: 3.91%
#2 of 30 Top 3.3% in 7B-10B tier
3
Member Growth Rate
growth
Value: 6.69%
Peer Avg: 2.85%
#3 of 30 Top 6.7% in 7B-10B tier
4
Efficiency Ratio
profitability
Value: 52.87%
Peer Avg: 63.73%
#4 of 30 Top 10.0% in 7B-10B tier
4
Total Loans
balance_sheet
Value: $7.60B
Peer Avg: $6.34B
#4 of 30 Top 10.0% in 7B-10B tier
5
Deposit Growth Rate
growth
Value: 8.52%
Peer Avg: 4.48%
#5 of 30 Top 13.3% in 7B-10B tier
5
Average Member Relationship (AMR)
engagement
Value: $39,497
Peer Avg: $33,660
#5 of 30 Top 13.3% in 7B-10B tier
6
Return on Assets (ROA)
profitability
Value: 1.45%
Peer Avg: 1.03%
#6 of 30 Top 16.7% in 7B-10B tier
7
Total Assets
balance_sheet
Value: $9.68B
Peer Avg: $8.92B
#7 of 30 Top 20.0% in 7B-10B tier

Top Weaknesses (0 metrics)

No weakness rankings available