Credit Union Safety Analysis
Is Redwood Credit Union Safe? Santa Rosa, California
Based on its Q2 2026 NCUA 5300 call report, Redwood Credit Union has a net worth ratio of 13.26%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.72%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Redwood Credit Union's net worth ratio is 13.26%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 13.26%
- Delinquency ratio (60+ days) (Q2 2026): 0.72%
- Return on assets (Q2 2026): 1.31%
- Loan-to-share ratio (Q2 2026): 91.37%
Redwood Credit Union (NCUA charter 60793, established 1950) reported $10.70B in assets and 423,257 members for Q2 2026 from Santa Rosa, California. It ranks 4 of 238 credit unions in California by total assets. Total assets grew 12.6% from $9.50B on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 24 credit unions with $10B to $100B in assets: 10.42%; middle half of peers: 9.55% to 11.84%.
Earlier filings: 13.31% for Q1 2026; 12.95% for Q2 2025.
Median of the 24 credit unions with $10B to $100B in assets: 0.91%; middle half of peers: 0.64% to 1.27%.
Earlier filings: 0.69% for Q1 2026; 0.58% for Q2 2025.
Median of the 24 credit unions with $10B to $100B in assets: 0.97%; middle half of peers: 0.59% to 1.31%.
Earlier filings: 1.46% for Q1 2026; 1.45% for Q2 2025.
Median of the 24 credit unions with $10B to $100B in assets: 89.87%; middle half of peers: 81.23% to 93.33%.
Earlier filings: 94.76% for Q1 2026; 89.44% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $4.27B
- Used vehicle loans: $1.51B
- New vehicle loans: $874.9M
- Commercial loans: $856.8M
- Unsecured credit card loans: $525.4M
- Other unsecured loans and lines of credit: $332.0M
- Other secured non-real estate loans and lines of credit: $116.0M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $10.70B | 13.26% | 0.72% | 1.31% | 91.37% |
| March 31, 2026 | $9.95B | 13.31% | 0.69% | 1.46% | 94.76% |
| December 31, 2025 | $9.76B | 13.12% | 0.71% | 1.51% | 93.41% |
| September 30, 2025 | $9.68B | 13.06% | 0.61% | 1.60% | 90.75% |
| June 30, 2025 | $9.50B | 12.95% | 0.58% | 1.45% | 89.44% |
| March 31, 2025 | $9.38B | 12.89% | 0.58% | 1.32% | 86.40% |
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Free to use. It shows Redwood Credit Union’s latest filed figures and updates each quarter.
How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Regulator records: NCUA credit union profile (charter 60793) · FFIEC NIC profile (RSSD 238791)
Frequently asked questions
Is Redwood Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Redwood Credit Union's net worth ratio is 13.26%, above the 7% NCUA threshold for well capitalized.
Is Redwood Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Redwood Credit Union is a federally insured credit union (NCUA charter 60793): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Redwood Credit Union's key safety ratios?
For Q2 2026, Redwood Credit Union reports net worth 13.26%, delinquency 0.72%, ROA 1.31%, loan-to-share 91.37%.
What happens to my money if Redwood Credit Union fails?
For Q2 2026, Redwood Credit Union held $9.28B in shares and deposits for 423,257 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.