Redwood Credit Union
Major Rating Factors:
Excellent current capitalization (9.7 on a scale of 0 to 10) based on a net capital to total assets of 11.4 and a net worth ratio of 11.8. A current level of 3.1 percent of nonperforming loans to core capital combined with 2.2 percent from a year earlier contributes to the Excellent asset quality (9.2).
Other Rating Factors:
Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.3 has resulted in Excellent (9.2) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (7.0 on a scale of 0 to 10).
Asset Mix:
Home mtgs (29%), consumer loans (28%), other (43%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
3033 Cleveland Avenue
Santa Rosa, CA 95403
Santa Rosa, CA 95403
Phone Number
(800) 479-7928
NCUA Charter Number
Website
Largest Competitors
Tustin, CA
Sacramento, CA
Santa Rosa, CA
Santa Rosa, CA
Santa Rosa, CA