Northern Redwood

Arcata, CA · 1 · Charter #10362 · www.northernredwoodfcu.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$24.5M
69th percentile
Members
3,151
86th percentile
Total loans
$13.0M
74th percentile
Total shares
$22.5M
73th percentile

Profitability

Return on assets
0.47%
33th percentile
Net interest margin
3.81%
44th percentile
Efficiency ratio
71.33%
40th percentile
Non-interest income ratio
18.20%
79th percentile

Capital & Risk

Net worth ratio
8.19%
6th percentile
Delinquency rate
1.17%
37th percentile
Net charge-off rate
0.90%
19th percentile
Loan-to-share
57.78%
47th percentile

Growth

Member growth YoY
-1.13%
53th percentile
Asset growth YoY
3.35%
64th percentile
Loan growth YoY
-15.88%
10th percentile
Share growth YoY
3.82%
69th percentile

Operations

Members / branch
1,576
66th percentile
Assets / member
$7,761
36th percentile
Field of membership penetration
42.01%
57th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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