NORTHERN REDWOOD Credit Union Profile

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NORTHERN REDWOOD

Charter #10362 | NCUA Region 3 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (707) 822-5902

Fax: (707) 822-8818

Founding Date: N/A

Website: https://www.northernredwoodfcu.org

Personnel & Operations

President: Hanks, Sandra

Manager: Cardoza, Jenna

FT Employees: 6

PT Employees: 1

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 00

Branches: 2

Hours: Mon - Thur 9:00 AM - 5:00 PM Fri 9:00 AM -

Credit Union Profile Summary

NORTHERN REDWOOD is a FCU Credit Union. With a total of 3,191 members [1], this institution manages approximately $22,177,903 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 9.43% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -17.44% [1].

Financial Snapshot

Total Assets [1]
$22,177,903

Total economic resources.

Total Loans [1]
$14,149,895

Total value of outstanding loans.

Total Deposits [1]
$20,029,203

Total funds deposited by members.

Members [1]
3,191

Number of active members.

Performance Ratios

Net Worth Ratio [1]
9.43%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
0.27%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
70.65%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↓ -6.81%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↓ -17.44%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↓ -0.19%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

1270 Giuntoli Ln

Arcata, CA, 95521-4415
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 2 branches reported by NORTHERN REDWOOD (Charter #10362).

Main Office

Main Office Main Office

Type: Corporate Office

1270 Giuntoli Ln

Arcata, CA 95521-4415

Phone: (707) 822-5902

Services: Member Services, ATM

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Additional Branches

Eureka

Eureka Branch

Type: Branch Office

903 4th St

Eureka, CA 95501-0517

Phone: (707) 822-5902

Services: Member Services, ATM

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