TellerScore

Northern Redwood Federal Credit Union (NCUA charter #10362) is based in Arcata, California. Its Q2 2026 call report shows $23.7M in total assets and $21.8M in member shares and deposits and 1 office.

Based on its Q2 2026 filing, Northern Redwood Federal Credit Union scores 48/100, which we describe as below average. That is higher than only 7% of 2,479 credit unions with under $100 million in assets. Among 238 credit unions headquartered in California, it ranks 229th. Its strongest component is funding & liquidity (100/100; 56% loans-to-deposits, 6% uninsured), and its lowest is earnings (0/100; -1.13%).

TellerScore · Q2 2026

Scorecard

Capital cushion29/100
Net worth ratio: 7.89%
Loan quality64/100
Loans 60+ days delinquent ÷ total loans: 1.07%
Earnings0/100
Return on assets (annualized): -1.13%
Funding & liquidity100/100
Loans ÷ shares: 55.7% · 6.4% uninsured
Problem-loan coverage78/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 10.99%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 4 points (52 → 48), mostly because the earnings component weakened by 31 points.

TellerScore
465257Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202454
Q3 202449
Q4 202446
Q1 202553
Q2 202552
Q3 202557
Q4 202552
Q1 202646
Q2 202648
Net worth ratio
7.00%8.21%9.43%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.83%
Q3 20248.78%
Q4 20248.71%
Q1 20258.40%
Q2 20259.43%
Q3 20258.74%
Q4 20258.19%
Q1 20267.73%
Q2 20267.89%
Delinquent loans (60+ days)
0.89%1.39%1.88%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.00%
Q3 20241.52%
Q4 20241.88%
Q1 20250.89%
Q2 20251.53%
Q3 20250.90%
Q4 20251.17%
Q1 20261.21%
Q2 20261.07%
Return on assets
-1.80%-0.76%0.28%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.26%
Q3 20240.22%
Q4 20240.22%
Q1 20250.22%
Q2 20250.28%
Q3 20250.21%
Q4 20250.02%
Q1 2026-1.80%
Q2 2026-1.13%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202648$23.7M7.89%1.07%-1.13%55.7%
Q1 202646$24.5M7.73%1.21%-1.80%54.3%
Q4 202552$24.5M8.19%1.17%0.02%57.8%
Q3 202557$24.0M8.74%0.90%0.21%61.7%
Q2 202552$22.2M9.43%1.53%0.28%70.6%
Q1 202553$24.1M8.40%0.89%0.22%80.1%
Q4 202446$23.7M8.71%1.88%0.22%71.3%
Q3 202449$24.0M8.78%1.52%0.22%74.3%
Q2 202454$23.8M8.83%1.00%0.26%79.0%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio7.89%
4th
Problem loans1.07%
37th
Net charge-offs0.81%
18th
Return on assets-1.13%
6th
Loans to deposits55.7%
54th
Uninsured deposits6.4%
15th
Loan-loss reserves0.00%
37th
Texas ratio11.0%
12th

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
Ontario Public Employees Federal Credit UnionCredit union Ontario, CA87 out of 100, Very strong$23.2M15.5%1.02%vs
Employees Choice Federal Credit UnionCredit union El Cajon, CA80 out of 100, Strong$24.6M11.2%0.00%vs
Fresno Grangers Federal Credit UnionCredit union Fresno, CA98 out of 100, Very strong$25.9M24.6%0.00%vs
Novo Federal Credit UnionCredit union Norco, CA80 out of 100, Strong$21.4M13.2%0.43%vs
Center City Community Credit UnionCredit union Buena Park, CA62 out of 100, Moderate$26.2M8.7%0.10%vs
Mattel Federal Credit UnionCredit union El Segundo, CA74 out of 100, Strong$28.1M11.4%0.11%vs

Deposit insurance

Is my money safe at Northern Redwood Federal Credit Union?

Yes. Northern Redwood Federal Credit Union is a federally insured credit union (NCUA charter #10362). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 6.4% of shares and deposits ($1.4M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 7.89%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Northern Redwood Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Northern Redwood Federal Credit Union
Type
Federal credit union
NCUA charter #
10362
RSSD ID
736886
Primary regulator
NCUA
Established
1955
Headquarters
1270 Giuntoli Ln, Arcata, CA 95521
Employees
7

Quick answers

Northern Redwood Federal Credit Union: common questions

Is Northern Redwood Federal Credit Union NCUA insured?

Yes. Northern Redwood Federal Credit Union is a federally insured credit union (NCUA charter #10362). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Northern Redwood Federal Credit Union's TellerScore?

48 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Northern Redwood Federal Credit Union have?

1 office as of the latest NCUA data.