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Credit union call report ยท Arcata, CA

Northern Redwood Federal Credit Union Call Report

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Northern Redwood Federal Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 257 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

Northern Redwood Federal Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number10362
Federal Reserve RSSD ID736886

The official copy: search charter number 10362 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

Northern Redwood Federal Credit Union call report, Q2 2026

Statement of Financial Condition (31 items)
Northern Redwood Federal Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $470K
1c. Total Cash on Hand 730A $470K
2a. Cash on Deposit in Corporate Credit Unions 730B1 $78K
2c. Cash on Deposit in Other Financial Institutions 730B2 $77
2. Cash on Deposit (total) 730B $78K
3. Time Deposits in Banks and Credit Unions AS0007 $9.3M
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $9.9M
12b. Perpetual Contributed Capital 769B $14K
13. TOTAL OTHER INVESTMENTS AS0017 $14K
15a. Number of Total Loans and Leases 025A 1,101
15b. Total Loans and Leases 025B $12.2M
17. ACL on Loans and Leases AS0048 $104K
18c. Foreclosed/Repossessed - Vehicles AS0024 $65K
18d. Foreclosed/Repossessed - Other AS0025 $9K
18e. Foreclosed/Repossessed Assets (total) 798A $75K
19. Land and Building 007 $945K
20. Other Fixed Assets 008 $112K
21. NCUA Share Insurance Capitalization Deposit 794 $209K
22d. Accrued Interest on Loans 009A $72K
22e. Accrued Interest on Investments 009B $79K
22f. All Other Assets 009C $266K
22g. Total Other Assets AS0036 $417K
23. TOTAL ASSETS 010 $23.7M
Accounts Payable and Other Liabilities 825 $23K
Accrued Dividends and Interest Payable 820A $1K
Member Shares of All Types 013 $21.8M
Total Shares and Deposits 018 $21.8M
Undivided Earnings 940 $1.9M
Total Net Worth 997 $1.9M
Net Worth Ratio 998 7.89%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $23.7M
Statement of Income and Expense (24 items)
Northern Redwood Federal Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $421K
3. Income from Investments 120 $194K
5. TOTAL INTEREST INCOME 115 $615K
6. Dividends on Shares 380 $149K
9. TOTAL INTEREST EXPENSE 350 $149K
10. NET INTEREST INCOME IS0010 $466K
12a. Credit Loss Expense - Loans and Leases IS0011 $97K
12e. Total Credit Loss Expense IS0017 $97K
13. Fee Income 131 $69K
14. Other Operating Income IS0020 $40K
18. Gain (Loss) on Disposition of Fixed Assets 430 -$28K
22. Other Non-Operating Income 440 $375
23. TOTAL NON-INTEREST INCOME 117 $81K
24. Employee Compensation and Benefits 210 $232K
25. Travel and Conference 230 $3K
26. Office Occupancy 250 $58K
27. Office Operations 260 $51K
28. Educational and Promotional 270 $42K
29. Loan Servicing 280 $28K
30. Professional and Outside Services 290 $152K
32. Operating Fees 320 $2K
33. Miscellaneous Operating Expense 360 $17K
34. TOTAL NON-INTEREST EXPENSE 671 $585K
35. NET INCOME 661A -$134K
Statement pages - all other filed accounts (22 items)

delinquency (21%), credit cards (21%)

Northern Redwood Federal Credit Union, Statement pages - all other filed accounts, Q2 2026
Line item Account Q2 2026
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 1 month to less than 2 months delinquent 020B $117K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 2 to less than 6 months delinquent 021B $96K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 6 to less than 12 months delinquent 022B $15K
Amount of Delinquent Unsecured Credit Card Loans as of - 1 month to less than 2 months delinquent. 024B $3K
Loans Granted Year-to-Date 031A $97
Amount of Loans Granted Year-to-Date 031B $2.5M
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $131K
Number of current members (not number of accounts) 083 3,143
Number of potential members 084 7,500
Interest Rate of Unsecured Credit Card Loans 521 898.00%
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 1,189.00%
Interest Rate of New Vehicle Loans 523 572.00%
Interest Rate of Used Vehicle Loans 524 734.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $53K
Total Amount of All Year-to-Date Recoveries on Charged-Off Loans 551 $4K
Amount of Regular Shares 657 $9.7M
Amount of Share Drafts 902 $3.8M
IRA/KEOGH Accounts - < 1 Year 906A $868K
Share Certificates - < 1 Year 908A $5.4M
Total Amount of Share Certificates 908C $6.7M
Total Amount of Money Market Shares 911 $785K
Number of Used Vehicle Loans 968 637
NCUA data file FS220A (24 items)

loans and leases (25%), income and expense (25%), shares and deposits (19%)

Northern Redwood Federal Credit Union, NCUA data file FS220A, Q2 2026
Line item Account Q2 2026
Total Shares - < 1 Year 013A $20.5M
Total Shares - 1-3 Years 013B1 $1.3M
Total Shares and Deposits - < 1 Year 018A $20.5M
Total Shares and Deposits - 1-3 Years 018B1 $1.3M
Number of Total Delinquent Loans & Leases (Two or more months) 041A 15
Amount of Delinquent Indirect Loans 041E $41K
Effective date of last audit 063 $72K
Amount of Used Vehicle Loans 370 $7.7M
Amount of New Vehicle Loans 385 $1.5M
Amount of Unsecured Credit Card Loans 396 $192K
Amount of All Other Unsecured Loans/Lines of Credit 397 $970K
Share Certificates 451 $109
Number of Accounts for Share Drafts 452 922
IRA/KEOGH Accounts 453 $41
Number of Accounts for Regular Shares 454 2,960
Money Market Shares 458 $14
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 4,046
Number of credit union employees who are Full-Time (26 hours or more) 564A 6
Number of credit union employees who are Part-Time (25 hours or less per week) 564B 1
Dollar amount of loans with interest rates that exceed 15% (For FCUs Only) 567 $511K
Aggregate weighted average interest rate for the loans with interest rates that exceed 15% (For FCUs Only) 568 1,645.00%
Number of Outstanding Indirect Loans 617A 379
Total Amount of Outstanding Indirect Loans 618A $4.5M
Total credit lines 881 $1.5M
NCUA data file FS220B (17 items)

maturity and repricing buckets (40%), credit cards (17%)

Northern Redwood Federal Credit Union, NCUA data file FS220B, Q2 2026
Line item Account Q2 2026
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E) 065A4 $1.4M
Total Uninsured Shares and Deposits > $250K (F+J) 068A $1.4M
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $20.4M
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $32K
Amount of Regular Shares - < 1 Year 657A $9.7M
Total Amount of Unsecured Credit Card Loans Charged Off Year-to-Date 680 $4K
Amount of Share Drafts - < 1 Year 902A $3.8M
Total Amount of IRA/KEOGH Accounts 906C $868K
Share Certificates - 1-3 Years 908B1 $1.3M
Money Market Shares - < 1 Year 911A $785K
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $215K
Number of New Vehicle Loans 958 77
Total Shares 966 $4K
Total of outstanding loan balances subject to bankruptcies identified in items 23a-c. 971 $65K
Number of Unsecured Credit Card Loans 993 203
Number of All Other Unsecured Loans/Lines of Credit 994 121
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 6
NCUA data file FS220C (6 items)

charge-offs and recoveries (27%), participation loans (18%)

Northern Redwood Federal Credit Union, NCUA data file FS220C, Q2 2026
Line item Account Q2 2026
Indicate in the box at the right the number of the description below that best characterizes the last audit performed of your credit union's records 064 $5
Total Amount of Indirect Loans Charged Off Year-to-Date 550E $15K
Total Amount of All Year-to-Date Recoveries on Charged-Off Indirect Loans 551E $4K
Number of credit union branches (include the main office if member services are conducted at that location) 566 2
Supplemental Share Information - Dollar Amount of Share Certificates = or > $100,000 638 $5.4M
Supplemental Share Information - Dollar Amount of IRA/Keogh Accounts = or > $100,000 639 $138K
NCUA data file FS220D (19 items)

member services and products offered (69%), CUSO relationships (27%)

Northern Redwood Federal Credit Union, NCUA data file FS220D, Q2 2026
Line item Account Q2 2026
Does the credit union provide member services through a credit union shared branch services center? 566A $1
No Cost Share Drafts 879A4 $1
Share Certificates with Low Minimum Balance Requirements 879A5 $1
No Cost Bill Payer 879C2 $1
International Remittances 879V $1
Low-cost wire transfers 879W $1
Member Application 887A $1
Loan Application 887B $1
Loan Payments 887F $1
Bill Payment 887J $1
e-Statements 887R $1
Remote Deposit Capture 887U $1
MobilePmts 887V $1
Informational Website PI0007 $1
Mobile Application PI0008 $1
Online Banking PI0009 $1
Person-to-Person PI0011 $1
Does the CU offer an ATM Network that is surcharge free? PP0034 $1
CU offer Shared service network PP0058 $1
NCUA data file FS220G (5 items)

loans and leases (32%), participation loans (18%)

Northern Redwood Federal Credit Union, NCUA data file FS220G, Q2 2026
Line item Account Q2 2026
Total Outstanding Amount of Participation Loans Purchased By Type 691L $48K
Total Value of Investments in CUSOs 851 $38K
Total Amount Loaned to CUSOs 852 $20K
Total Aggregate Cash Outlay in CUSOs 853 $20K
Total Credit Lines at Corporate Credit Unions 884 $1.5M
NCUA data file FS220H (3 items)

student loans (43%), delinquency (27%)

Northern Redwood Federal Credit Union, NCUA data file FS220H, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for all loan types 816A $495K
Total number of TDR loans outstanding 1000F $1
Total amount of TDR loans outstanding 1001F $9K
NCUA data file FS220I (10 items)

vehicle lending (59%), delinquency (44%)

Northern Redwood Federal Credit Union, NCUA data file FS220I, Q2 2026
Line item Account Q2 2026
Amount of Used Vehicle Loans Delinquent 30 to 59 days 020C2 $98K
Amount of Used Vehicle Loans Delinquent 60 to 179 days 021C2 $70K
Amount of Used Vehicle Loans Delinquent 180 to 359 days 022C2 $5K
Number of Reportable Delinquent Used Vehicle Loans 035E2 10
Amount of Reportable Delinquent Used Vehicle Loans 041C2 $85K
Amount of Used Vehicle Loans YTD Charge Offs 550C2 $23K
Amount of Used Vehicle Loans YTD Recoveries 551C2 $4K
Commercial Share Accounts 643 $1.1M
Negative Shares as Included in All Other Unsecured Loans/Lines of Credit 644 $15K
Number of International Remittances originated Year-to-Date 928 1
NCUA data file FS220L (13 items)

commercial and business lending (90%), participation loans (36%), real estate lending (18%)

Northern Redwood Federal Credit Union, NCUA data file FS220L, Q2 2026
Line item Account Q2 2026
Total Number of Loans & Leases on Loan Schedule 025A1 $1K
Total Amount of Loans & Leases on Loan Schedule 025B1 $12.2M
Amount of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 386A $348K
Total outstanding balance of commercial loans to members 400A1 $40K
Outstanding balance of Member Commercial and Industrial loans 400L2 $40K
Amount of Commercial Loans/Lines of Credit Not Real Estate Secured 400P $40K
Outstanding balance of all member and non-member commercial loans 400T1 $40K
Interest Rate of Commercial Loans/Lines of Credit Not Real Estate Secured 526 874.00%
Interest Rate of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 562A 786.00%
Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 563A 665.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 700.00%
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $927K
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $437K
NCUA data file FS220M (12 items)

commercial and business lending (89%), real estate lending (26%), participation loans (23%)

Northern Redwood Federal Credit Union, NCUA data file FS220M, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for Revolving Open-End lines secured by 1-4 Family Residential Properties (Non-Commercial) 811D $64K
Total Unfunded Commitments for Credit Card Lines (Non-Commercial) 812C $411K
Total Unfunded Commitments for Unsecured Share Draft Lines of Credit (Non-Commercial) 815C $20K
Total Unfunded Commitments for Non-Commercial Loans 816T $495K
Total Unfunded Commitments for Overdraft Protection Program Commitments (Non-Commercial) 822C $592
Total number of member commercial loans 900A1 $1
Number of Member Commercial and Industrial loans 900L2 1
Number of Commercial Loans/Lines of Credit Not Real Estate Secured 900P 1
Total Number of Member and Nonmember commercial loans 900T1 $1
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 4
Number of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 960A 5
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 53
NCUA data file FS220N (3 items)

investment portfolio detail (53%), maturity and repricing buckets (31%), CECL allowances (30%)

Northern Redwood Federal Credit Union, NCUA data file FS220N, Q2 2026
Line item Account Q2 2026
Total Liabilities LI0069 $21.8M
(CECL) One-time Adjustment to Undivided Earnings for those credit unions that have adopted ASC topic 326 - Financial Instruments - Credit Losses NW0002 $200K
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $23.7M
NCUA data file FS220P (18 items)

commercial and business lending (52%), delinquency (49%), real estate lending (23%)

Northern Redwood Federal Credit Union, NCUA data file FS220P, Q2 2026
Line item Account Q2 2026
Loan Loss Information - YTD Charge Offs - All Other Unsecured Loans/Lines of Credit CH0007 $26K
Loan Loss Information - YTD Recoveries - All Other Unsecured Loans/Lines of Credit CH0008 $92
All Other Unsecured Loans/Lines of Credit DL0022 $9K
All Other Unsecured Loans/Lines of Credit DL0023 $10K
All Other Unsecured Loans/Lines of Credit DL0024 $20K
All Other Unsecured Loans/Lines of Credit DL0025 $9K
All Other Unsecured Loans/Lines of Credit DL0027 $40K
All Other Unsecured Loans/Lines of Credit - Total Number of Reportable Delinquent Loans DL0028 $4
Used Vehicle Loans DL0037 $9K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0050 $7K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0052 $6K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0055 $6K
Delinquent Loans by Collateral Type - Total Number of Reportable Delinquent Loans - All Other Secured Non-Real Estate Loans/Lines of Credit DL0056 $1
Delinquent Loans by Collateral Type - 60-89 days - Total Delinquent Loans and Leases DL0141 $20K
Amount of reportable delinquency included in Total Delinquent Loans and Leases (Account 041B), that relates to: Participation Loans Purchased under 701.22 DL0142 $2K
Amount of Consumer Loans in Non-Accrual Status DL0145 $111K
Number of Indirect Loans - New and Used Vehicle Loans IN0001 379
Amount of Indirect Loans - New and Used Vehicle Loans IN0002 $4.5M
NCUA data file FS220Q (16 items)

investment portfolio detail (69%)

Northern Redwood Federal Credit Union, NCUA data file FS220Q, Q2 2026
Line item Account Q2 2026
Investment Maturity Distribution - Time Deposits - <=1 Year NV0111 $9.2M
Investment Maturity Distribution - Time Deposits - >1-3 Years NV0112 $99K
Investment Maturity Distribution - Time Deposits - Total NV0116 $9.3M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >5-10 Years NV0144 $14K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $14K
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $9.2M
Investment Maturity Distribution - Total Investment Securities - >1-3 Years NV0154 $99K
Investment Maturity Distribution - Total Investment Securities - >5 - 10 Years NV0156 $14K
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $9.3M
RBC Total Equity RB0001 $1.9M
RBC Allowance for Credit Losses RB0002 $104K
RBC Total Additions RB0005 $104K
RBC Total Deductions RB0009 $209K
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $1.8M
RBC Risk-Based Capital Numerator RB0012 $1.8M
Participation Loans: Participations Purchased - Outstanding Balance - Amount - Vehicle - Non-commercial SL0036 $48K
NCUA data file FS220R (31 items)

risk-based capital and leverage ratio (68%), real estate lending (28%)

Northern Redwood Federal Credit Union, NCUA data file FS220R, Q2 2026
Line item Account Q2 2026
RBC Schedule Total Investments RB0039 $14K
RBC Schedule Total Consumer Loans RB0060 $11.3M
RBC Schedule Total Commercial Loans RB0068 $40K
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $104K
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $104K
RBC Schedule Total Loans RB0079 $12.1M
RBC Total for Risk Weighting Total Loans RB0081 -$104K
RBC Total Loans 0% Weight RB0082 -$104K
RBC Schedule Total Other Assets RB0088 $1.8M
RBC Total for Risk Weighting Other Assets RB0090 $209K
RBC Other Assets 0% Weight RB0091 $209K
RBC Total from Schedule On-Balance Sheet Assets RB0099 $23.7M
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 $105K
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 $105K
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $23.7M
RBC Allowance for Credit Losses (Loans) RB0177 $104K
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate > 15 Years RL0001 2.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate > 15 Years RL0002 352,086.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate 15 Years or Less RL0004 2.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate 15 Years or Less RL0005 84,952.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $437K
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Open-end - Adjustable Rate RL0027 5.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Open-end - Adjustable Rate RL0028 348,022.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Open-end - Adjustable Rate RL0029 200,000.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Total RL0030 $348K
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Total RL0031 $200K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $9
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding RL0047 $785K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount Granted YTD RL0048 $200K
Total Shares SH0013 $21.8M
Total Shares and Deposits SH0018 $21.8M
NCUA data file FS220S (3 items)

member services and products offered (29%), HMDA and entity identifiers (24%)

Northern Redwood Federal Credit Union, NCUA data file FS220S, Q2 2026
Line item Account Q2 2026
Does the CU use financial technology companies to provide member services? PP0037 $1
Mortgage Lending PP0039 $1
Acquire participation loans PP0044 $1

Northern Redwood Federal Credit Union call reports on file

  • Q2 2026 call report (quarter ended June 30, 2026)
  • Q1 2026 call report (quarter ended March 31, 2026)
  • Q4 2025 call report (quarter ended December 31, 2025)
  • Q3 2025 call report (quarter ended September 30, 2025)
  • Q2 2025 call report (quarter ended June 30, 2025)
  • Q1 2025 call report (quarter ended March 31, 2025)

Where can I find the Northern Redwood Federal Credit Union call report?

The Northern Redwood Federal Credit Union call report for the quarter ended June 30, 2026 is on this page, line by line in the order of the NCUA 5300. NCUA publishes every federally insured credit union's call report in its quarterly call report data and in its Research a Credit Union tool. Call reports are public: anyone can read them without an account.

What call report does Northern Redwood Federal Credit Union file?

Northern Redwood Federal Credit Union files the NCUA Form 5300, the call report every federally insured credit union files with the National Credit Union Administration. Its figures are in whole dollars, not thousands.

What is the Northern Redwood Federal Credit Union call report number?

A call report has no number of its own. It is filed and looked up by the credit union's NCUA charter number, which for Northern Redwood Federal Credit Union is 10362.

How often does Northern Redwood Federal Credit Union file a call report?

Every quarter, as of March 31, June 30, September 30 and December 31.

Northern Redwood Federal Credit Union financials and ratios →

New to the 5300? What the NCUA 5300 call report is.