Redwood Credit Union Santa Rosa, California
Redwood Credit Union is a state-chartered credit union headquartered in Santa Rosa, CA, established in 1950 (NCUA charter 60793), and it is regulated and insured by the NCUA. At Q2 2026 it reported 423,257 members and total assets of $10.70B (up 12.6% from Q2 2025), the 4th largest of 238 credit unions headquartered in California. Its net worth ratio was 13.26% at Q2 2026, in the well capitalized band.
Also written as Redwood CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 60793
- Headquarters
- Santa Rosa, CA
- Established
- 1950
- Total assets, Q2 2026
- $10.70B
- Assets vs Q2 2025
- +12.6%
- Members, Q2 2026
- 423,257
- Net worth ratio, Q2 2026
- 13.26%
- Latest call report
- Q2 2026, NCUA 5300 · Redwood Credit Union call report
- Asset rank in state
- 4th of 238 in California
- Routing number
- 321177586
- Branches
- 23
It has 25,548 more members than on June 30, 2025 (+6.4%). Its net worth ratio was up 0.31 percentage points from 12.95% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $4.27B of $8.48B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.72% is below the 0.91% median of the 24 credit unions with $10B to $100B in assets for Q2 2026. Its 13.26% net worth ratio is above that band's 10.42% median.
Credit unions merged into Redwood Credit Union
Frequently asked about Redwood Credit Union
How big is Redwood Credit Union?
At Q2 2026 it reported total assets of $10.70B and 423,257 members.
Where is Redwood Credit Union headquartered?
It is headquartered in Santa Rosa, CA, United States.
When was Redwood Credit Union founded?
It was established in 1950, per NCUA records.
Is Redwood Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 60793): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Redwood Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Redwood Credit Union well capitalized?
Its net worth ratio was 13.26% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Redwood Credit Union's delinquency ratio?
Its delinquency ratio was 0.72% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Redwood Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 91.37% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Santa Rosa, CA 95403
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1950
- NCUA Charter #
- 60793
- RSSD ID
- 238791
- Members
- 423,257
- Potential members
- 3,478,450
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 24 credit unions with $10B to $100B in assets, as of Q2 2026. It is in the top quartile on 2 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.55% to 11.84% | 13.26% | 10.42% | 82nd top |
| Return on assets Middle half of peers: 0.59% to 1.31% | 1.31% | 0.97% | 75th above |
| Return on equity Middle half of peers: 6.05% to 14.24% | 10.56% | 9.50% | 56th above |
| Net interest margin Middle half of peers: 2.90% to 3.44% | 3.42% | 3.17% | 73rd above |
| Efficiency ratio Middle half of peers: 52.69% to 70.10% | 52.69% | 61.32% | 75th top |
| Cost of funds Middle half of peers: 1.69% to 2.02% | 1.73% | 1.88% | 71st above |
| Delinquency ratio Middle half of peers: 0.64% to 1.27% | 0.72% | 0.91% | 68th above |
| Yield on assets Middle half of peers: 4.90% to 5.36% | 5.15% | 5.07% | 57th position only |
| Loan-to-share ratio Middle half of peers: 81.23% to 93.33% | 91.37% | 89.87% | 61st position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$10.70B total assets against $9.50B; $9.28B total shares and deposits against $8.24B; $8.48B total loans against $7.37B.
$1.33B net worth against $1.19B.
13.26% net worth ratio against 12.95%.
91.37% loan-to-share ratio against 89.44%.
0.72% delinquency ratio against 0.58%.
1.31% return on assets against 1.45%; 10.56% return on equity against 11.56%.
3.42% net interest margin against 3.53%.
423,257 members against 397,709.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 13.26% | 1.31% | 0.72% | 91.37% |
| March 31, 2026 | 13.31% | 1.46% | 0.69% | 94.76% |
| December 31, 2025 | 13.12% | 1.51% | 0.71% | 93.41% |
| September 30, 2025 | 13.06% | 1.60% | 0.61% | 90.75% |
| June 30, 2025 | 12.95% | 1.45% | 0.58% | 89.44% |
| March 31, 2025 | 12.89% | 1.32% | 0.58% | 86.40% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.