Credit union · NCUA insured
Northern Redwood FCU
A $24.5M credit union headquartered in Arcata, CA, with 3,167 members and 2 branches in California. Best rates: CDs 3.82% and savings 1.01% APY.
Northern Redwood FCU Carrot Score
80
Carrot Score
Higher than 50% of U.S. banks and credit unions
#5 of 9 in Eureka, CA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Northern Redwood FCU
- Headquarters
- 1270 Giuntoli Ln, Arcata, CA 95521-4415
- NCUA charter
- 10362
Branches
2 branches in California
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California
2 branches
- Main OfficeMain office1270 Giuntoli Ln, Arcata, CA 95521Directions
- Eureka Branch903 4th St, Eureka, CA 95501Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 7.89% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.07% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | -1.11% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $56 | $59 | — |
- CapitalNet worth ratio7.89%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.07%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets-1.11%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$56Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Northern Redwood FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.