BlastPoint's Credit Union Scorecard
REDWOOD
Charter #60793 · CA
REDWOOD has 8 strengths but faces 5 concerns
How does the industry compare?
What's your peer group doing?
How does CA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 50.0% in tier
- + ROA 0.52% above tier average
- + Net Interest Margin 0.55% above tier average
- + Strong member growth: 6.6% YoY
- + Total Assets: Top 0.1% in tier
- + Total Loans: Top 0.1% in tier
- + Efficiency Ratio: Top 6.9% in tier
- + Total Deposits: Top 6.9% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 12.5% in tier
- - Liquidity Strain: Bottom 16.7% in tier
- - Credit Quality Pressure: Bottom 21.9% in tier
- - Indirect Auto Dependency: Bottom 48.4% in tier
- - Delinquency rate 0.07% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
417,354
+6.6% YoY+1.8% QoQ
|
-19.5K |
436,889
-2.3% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
45% |
| Assets |
$9.9B
+6.0% YoY+1.9% QoQ
|
+$1.0B |
$8.9B
-0.1% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
Top 3.4% in tier |
| Loans |
$8.1B
+15.0% YoY+3.2% QoQ
|
+$2.0B |
$6.1B
-1.1% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
Top 3.4% in tier |
| Deposits |
$8.6B
+4.8% YoY+1.8% QoQ
|
+$906.1M |
$7.7B
+1.8% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
Top 10.3% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.5%
+9.7% YoY+0.9% QoQ
|
+0.5% |
0.9%
+16.3% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
Top 13.8% in tier |
| NIM |
3.6%
+7.6% YoY+3.1% QoQ
|
+0.6% |
3.1%
+6.3% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
76% |
| Efficiency Ratio |
52.4%
-4.9% YoY-1.5% QoQ
|
-13.7% |
66.1%
-2.8% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
Top 6.9% in tier |
| Delinquency Rate |
0.7%
+19.5% YoY-2.6% QoQ
|
+0.1 |
0.6%
+12.0% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
62% |
| Loan To Share |
94.8%
+9.7% YoY+1.4% QoQ
|
+14.4% |
80.4%
-3.4% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
83% |
| AMR |
$39,951
+2.8% YoY+0.6% QoQ
|
+$3K |
$37,056
+6.8% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
76% |
| CD Concentration |
32.4%
+8.7% YoY+6.9% QoQ
|
+3.8% | 28.6% | 21.6% | 19.8% | 62% |
| Indirect Auto % |
22.6%
+0.9% YoY+0.4% QoQ
|
+6.2% | 16.4% | 9.0% | 7.7% | 67% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (4)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)