TellerScore

Redwood Credit Union is a federally insured state-chartered credit union headquartered in Santa Rosa, California, in business for about 76 years. At the end of Q2 2026 it reported $10.7B in total assets and $9.3B in member shares and deposits, with 13 offices.

Redwood Credit Union has a TellerScore of 78 out of 100 (strong) based on Q2 2026 data — higher than 88% of its 25 credit unions with over $10 billion. Among 238 credit unions headquartered in California, it ranks 66th. Problem-loan coverage contributes the most (91/100, 4.6%); funding & liquidity contributes the least (69/100, 91% loans-to-deposits, 13% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion83/100
Net worth ratio: 13.26%
Loan quality76/100
Loans 60+ days delinquent ÷ total loans: 0.72%
Earnings73/100
Return on assets (annualized): 1.34%
Funding & liquidity69/100
Loans ÷ shares: 91.4% · 12.8% uninsured
Problem-loan coverage91/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.61%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (79 → 78).

TellerScore
767879Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202476
Q3 202478
Q4 202477
Q1 202579
Q2 202579
Q3 202579
Q4 202578
Q1 202679
Q2 202678
Net worth ratio
7.00%10.16%13.31%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.53%
Q3 202412.72%
Q4 202412.71%
Q1 202512.89%
Q2 202512.95%
Q3 202513.06%
Q4 202513.12%
Q1 202613.31%
Q2 202613.26%
Delinquent loans (60+ days)
0.58%0.65%0.73%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.66%
Q3 20240.60%
Q4 20240.73%
Q1 20250.58%
Q2 20250.58%
Q3 20250.61%
Q4 20250.71%
Q1 20260.69%
Q2 20260.72%
Return on assets
1.27%1.36%1.46%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.28%
Q3 20241.31%
Q4 20241.27%
Q1 20251.32%
Q2 20251.38%
Q3 20251.43%
Q4 20251.44%
Q1 20261.46%
Q2 20261.34%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$10.7B13.26%0.72%1.34%91.4%
Q1 202679$9.9B13.31%0.69%1.46%94.8%
Q4 202578$9.8B13.12%0.71%1.44%93.4%
Q3 202579$9.7B13.06%0.61%1.43%90.8%
Q2 202579$9.5B12.95%0.58%1.38%89.4%
Q1 202579$9.4B12.89%0.58%1.32%86.4%
Q4 202477$9.1B12.71%0.73%1.27%86.7%
Q3 202478$8.8B12.72%0.60%1.31%86.7%
Q2 202476$8.6B12.53%0.66%1.28%86.8%

25 peers · Over $10 billion

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 ratio13.26%
83rd
Problem loans0.72%
71st
Net charge-offs0.73%
50th
Return on assets1.34%
71st
Loans to deposits91.4%
42nd
Uninsured deposits12.8%
38th
Loan-loss reserves0.00%
50th
Texas ratio4.6%
75th

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
The Golden 1 Credit UnionCredit union Sacramento, CA62 out of 100, Moderate$22.2B9.9%0.80%vs
First Technology Federal Credit UnionCredit union San Jose, CA53 out of 100, Below average$27.9B10.8%1.61%vs
Schoolsfirst Federal Credit UnionCredit union Santa Ana, CA64 out of 100, Moderate$37.2B9.5%0.91%vs

Deposit insurance

Is my money safe at Redwood Credit Union?

Yes. Redwood Credit Union is a federally insured credit union (NCUA charter #60793). 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 12.8% of shares and deposits ($1.2B) are above the $250,000 NCUA insurance limit, close to the peer median of 12%. Insured balances are protected regardless of the score.

The net worth ratio is 13.26%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

13 locations

Branches

Redwood Credit Union lists 13 offices in 10 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Redwood Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
60793
RSSD ID
238791
Primary regulator
State + NCUA
Established
1950
Headquarters
PO Box 6104, Santa Rosa, CA 95406
Employees
1,004

Quick answers

Redwood Credit Union: common questions

Is Redwood Credit Union NCUA insured?

Yes. Redwood Credit Union is a federally insured credit union (NCUA charter #60793). 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 Redwood Credit Union's TellerScore?

78 out of 100 (Strong), 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 Redwood Credit Union have?

13 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Santa Rosa

InstitutionScoreAssetsCapitalProblem loansCompare
Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA92 out of 100, Very strong$1.7B15.5%0.60%vs
Sonoma Federal Credit UnionCredit union Santa Rosa, CA83 out of 100, Strong$80.0M13.5%0.63%vs
Sea West Coast Guard Federal Credit UnionCredit union Oakland, CA83 out of 100, Strong$377.9M20.2%0.01%vs
Westamerica BankBank San Rafael, CA78 out of 100, Strong$5.8B10.3%0.12%vs
Exchange BankBank Santa Rosa, CA77 out of 100, Strong$3.2B12.6%0.55%vs
Tri Counties BankBank Chico, CA70 out of 100, Strong$9.9B12.0%0.94%vs