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The Lender Report built this page from public records. Redwood Credit Union has not reviewed it. Every lender's page starts this way, and it says nothing about Redwood Credit Union itself. Each figure shows its source and date. Work at Redwood Credit Union? You can claim this page for free.
Credit union, Santa Rosa, CA
Redwood Credit Union
A credit union based in Santa Rosa, CA. Its commercial book is led by owner-occupied CRE and non-owner-occupied CRE. Public files show recent multifamily, 1-4 unit investor, SBA 7(a), SBA 504 and real-estate-secured commercial loans it made.
- Kind
- Credit union
- Data as of
- June 30, 2026
- Page last changed
- November 11, 2026
- Commercial book
- $852M
- NCUA 5300,
- Holds, not loans made
- Commercial loans made, H1 2026
- 65
- NCUA 5300,
- Real-estate-secured
- SBA loans, 36 months
- 108
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $10.7B
- NCUA 5300,
Does it fit my deal?
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How to reach them
Each line shows where it came from
- Phone
- 800-479-7928 From the NCUA record, June 30, 2026.
- Website
- www.redwoodcu.orgFrom the NCUA record, November 9, 2026.
- Commercial lending page
- redwoodcu.orgFrom the lender's website, retrieved November 11, 2026.
- Names it files under
- REDWOOD; Redwood CUNCUA 5300,
- Address
- PO Box 6104, Santa Rosa, CA 95406NCUA 5300,
- Regulator record
- NCUA profile
You generally must be a member of a credit union to borrow from it. Field of membership: Non-Federal Credit Union. Designated low-income by NCUA.
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
| When | What the record shows | Source |
|---|---|---|
| Oct 2023 to Sep 2026 | SBA 7(a) approvals by processing method: 18 under Preferred Lender authority, 16 SBA Express.SBA ProcessingMethod field, net of cancellations. | SBA FOIA, |
| Jun 2025 to Jun 2026 | Owner-occupied CRE balance rose 17.1% to $444.7M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
| Jun 2025 to Jun 2026 | Non-owner-occupied CRE balance rose 14.3% to $262.9M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
| Jun 2025 to Jun 2026 | Multifamily balance rose 5.2% to $93.8M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Sep 2026 | California | SBA 7(a), Home Furnishing Merchant Wholesalers | $150K | 8.75% | 10 yr | SBA FOIA | |
| Aug 2026 | California | SBA 7(a), Limited-Service Restaurants | $100K | 9.5% | 5 yr | SBA FOIA | |
| Jun 2026 | California | SBA 7(a), Plumbing, Heating, and Air-Conditioning Contractors | $350K | 8.75% | 10 yr | SBA FOIA | |
| Jun 2026 | California | SBA 504, Offices of Mental Health Practitioners (except Physicians) | $350K | 25 yr | SBA FOIA | ||
| May 2026 | California | SBA 504, Other Personal and Household Goods Repair and Maintenance | $340K | 25 yr | SBA FOIA | ||
| May 2026 | California | SBA 7(a), Commercial and Service Industry Machinery Manufacturing | $150K | 8.25% | 10 yr | SBA FOIA | |
| Apr 2026 | California | SBA 504, Full-Service Restaurants | $640K | 25 yr | SBA FOIA | ||
| Apr 2026 | California | SBA 504, Offices of All Other Miscellaneous Health Practitioners | $410K | 25 yr | SBA FOIA | ||
| Mar 2026 | California | SBA 504, Industrial Building Construction | $1.3M | 25 yr | SBA FOIA | ||
| Mar 2026 | California | SBA 504, All Other Specialty Trade Contractors | $710K | 25 yr | SBA FOIA | ||
| Mar 2026 | California | SBA 504, Mortgage and Nonmortgage Loan Brokers | $560K | 25 yr | SBA FOIA | ||
| Feb 2026 | California | SBA 504, Retail Trade | $2M | 25 yr | SBA FOIA | ||
| Feb 2026 | California | SBA 504, Drinking Places (Alcoholic Beverages) | $980K | 25 yr | SBA FOIA | ||
| Feb 2026 | California | SBA 504, Convenience Retailers | $680K | 25 yr | SBA FOIA | ||
| Jan 2026 | California | SBA 504, Residential Property Managers | $920K | 25 yr | SBA FOIA | ||
| Jan 2026 | California | SBA 7(a), Tax Preparation Services | $150K | 9.25% | 10 yr | SBA FOIA | |
| Jan 2026 | California | SBA 7(a), All Other Professional, Scientific, and Technical Services | $120K | 9% | 10 yr | SBA FOIA | |
| 2025 | Sonoma County, CA | Purchase, 25 to 49 units | $8.7M | 5.88% | 10 yr | 67% | HMDA 2025 |
| 2025 | San Francisco County, CA | Refinance, 5 to 24 units | $3.5M | 6.05% | 10 yr | 69% | HMDA 2025 |
| 2025 | Marin County, CA | Purchase, 5 to 24 units | $2.5M | 6% | 10 yr | 75% | HMDA 2025 |
| 2025 | San Francisco County, CA | Refinance, 5 to 24 units | $2M | 6.13% | 10 yr | 53% | HMDA 2025 |
| 2025 | Sonoma County, CA | Refinance, 5 to 24 units | $1.4M | 6.5% | 10 yr | 72% | HMDA 2025 |
| Dec 2025 | California | SBA 504, Poured Concrete Foundation and Structure Contractors | $1M | 25 yr | SBA FOIA | ||
| Dec 2025 | California | SBA 504, Motor Vehicle Towing | $900K | 25 yr | SBA FOIA | ||
| 2025 | Solano County, CA | Purchase, 5 to 24 units | $840K | 6.25% | 10 yr | 75% | HMDA 2025 |
| 74 SBA 504 first liens since October 2023, net of cancelled | $68.3M | SBA FOIA | |||||
A blank means the source did not report it.
What it holds
NCUA 5300, June 30, 2026
| Book | Holds | Of its loans | Year over year | Loans | Average |
|---|---|---|---|---|---|
| Multifamily | $93.8M | 1.1% | +5.2% | 68 | $1.38M |
| Construction and land development | $10.5M | 0.1% | -24.9% | 4 | $2.63M |
| Owner-occupied CRE | $445M | 5.2% | +17.1% | 488 | $911K |
| Non-owner-occupied CRE | $263M | 3.1% | +14.3% | 205 | $1.28M |
| Farmland | $6.17M | 0.1% | -12.0% | 7 | $882K |
| Commercial and industrial | $33.6M | 0.4% | +9.6% | 369 | $91.0K |
| Other real-estate-secured commercial | $0 | 0.0% | Not reported | Not reported | Not reported |
| Commercial total | $852M |
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $623M |
| Q4 2023 | $631M |
| Q1 2024 | $640M |
| Q2 2024 | $647M |
| Q3 2024 | $665M |
| Q4 2024 | $711M |
| Q1 2025 | $724M |
| Q2 2025 | $751M |
| Q3 2025 | $784M |
| Q4 2025 | $803M |
| Q1 2026 | $824M |
| Q2 2026 | $852M |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| Multifamily, 5 or more units | 2025 | 8 | $20.0M | $1.70M | $8.7M | HMDA, |
| Multifamily, 5 or more units | 2024 | 1 | $1.3M | $1.3M | HMDA, | |
| 1-4 unit investor or business purpose | 2025 | 206 | $50.8M | $195K | HMDA, | |
| SBA 7(a), net of cancelled | 36 months to Sep 2026 | 34 | $9.82M | $195K | $1.2M | SBA FOIA, |
| SBA 7(a), net of cancelled | 12 months to Sep 2026 | 6 | $1.02M | SBA FOIA, | ||
| SBA 504 first lien, net of cancelled | 36 months to Sep 2026 | 74 | $68.3M | $705K | $7.6M | SBA FOIA, |
| Real-estate-secured commercial | First half of 2026 | 65 | $83.9M | NCUA 5300, | ||
| Multifamily | First half of 2026 | 6 | $10.9M | NCUA 5300, | ||
| Owner-occupied CRE | First half of 2026 | 40 | $39.7M | NCUA 5300, | ||
| Non-owner-occupied CRE | First half of 2026 | 19 | $33.3M | NCUA 5300, | ||
| C&I | First half of 2026 | 94 | $8.09M | NCUA 5300, |
How these public files were tied to this lender. HMDA: its legal entity identifier (LEI). SBA 7(a) loans: its NCUA charter number. SBA 504 first liens: its name and state.
| Book | Average loan |
|---|---|
| Construction and land development | $2.63M |
| Multifamily | $1.38M |
| Owner-occupied CRE | $911K |
| Non-owner-occupied CRE | $1.28M |
| Farmland | $882K |
| Commercial and industrial | $91.0K |
| Industry | Loans | Dollars |
|---|---|---|
| Convenience Retailers | 5 | $3.56M |
Other lenders in these fields: SBA lenders for gas stations and convenience stores.
Programs on record: Federal Home Loan Bank member, San Francisco district (FHFA).
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| California HQ | 23 | 8 | 206 | 34 | 74 |
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Business loan cap | $1.31B | $500M to $1.20B across 8 peers | Estimate: the lesser of 1.75 times net worth or 12.25% of assets. Low-income designated credit unions and some others are exempt. Not a statement from the credit union. | NCUA 5300, 12 CFR 723.8, Jun 30, 2026 |
| Business loans outstanding | $868M | $0 to $845M across 8 peers | Net member business loans, as reported on Form 5300. | NCUA 5300, |
| Cap used | 66.2% | 0.0% to 86.2% across 8 peers | Business loans outstanding over the estimated cap. This credit union is designated low-income by NCUA and is exempt from the cap. | NCUA 5300, |
| Largest single borrower | $199M | $56.8M to $284M across 8 peers | Estimate: the greater of 15% of net worth or $100,000. Not a limit the credit union has stated. | NCUA 5300, 12 CFR 723.4, Jun 30, 2026 |
| CRE to net worth | 27.6% | 0.0% to 77.3% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by net worth. Our own ratio, not a regulatory test or limit. | NCUA 5300, |
| Loans to assets | 79.2% | 53.9% to 82.3% across 8 peers | Total loans divided by total assets. | NCUA 5300, |
Estimates use the formulas in 12 CFR 723. Low-income designated credit unions and some others are exempt from the cap.
Loan channel and SBA processing
Public record only
- Preferred Lender authority
- 18 loans (52.9%)
- SBA Express
- 16 loans
- Approval to first disbursement
- 24 days, median of 31
SBA FOIA, SBA 7(a) loans, 36 months. Counted from SBA approval, not application. Lines of credit disburse fast.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| Kinecta Credit Union | CA | $6.77B | $709M |
| Logix Credit Union | CA | $9.69B | $833M |
| Star One Credit Union | CA | $9.70B | $0 |
| Patelco Credit Union | CA | $9.77B | $231M |
| San Diego County Credit Union | CA | $9.55B | $398M |
| Valley Strong Credit Union | CA | $4.08B | $387M |
| Technology Credit Union | CA | $4.54B | $224M |
| Space Coast Credit Union | FL | $9.15B | $61.7M |
What we don't know
- Whether it is taking new loans today, or on what terms.
- Who can join. A credit union lends only to its members, and field of membership decides who qualifies.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
- Credit union concentration ratios here are our own calculation against net worth. They are not a regulatory test or limit. Originations are Jan-Jun 2026 year to date.
Check this page
Against the regulator's own record
- Name and charter. Redwood Credit Union, NCUA charter 60793. Compare it with the regulator's record. [NCUA profile]
- Balances. $10.7B in total assets and $852M in commercial loans held, from the NCUA 5300 for June 30, 2026. [Source]
- Loans made. 65 real-estate-secured commercial loans made in the first half of 2026, from your NCUA Form 5300, and 323 loans in HMDA and SBA files, through September 30, 2026: 8 HMDA multifamily 2025, 1 HMDA multifamily 2024, 206 HMDA 1-4 unit investor 2025, 34 SBA 7(a) in 36 months, 74 SBA 504 first liens in 36 months. [How each file was tied to Redwood Credit Union]
- Phone and website. Phone 800-479-7928, from the NCUA record. Website redwoodcu.org, from the NCUA record. [How to reach them]
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For the record
Data as of June 30, 2026. Page last changed November 11, 2026.
- Regulator
- NCUA and state regulator
- NCUA charter
- 60793
- RSSD
- 238791
- LEI
- 5493001WRXQTCKCA6205
- The Lender Report ID
- lr_000178
- Main office county
- Sonoma
- Members
- 429,841
- NCUA region
- 3 - Western
NCUA credit union details,
- Reported $10.7B in total assets as of June 30, 2026 (NCUA 5300).
- Held $851.7M of commercial and commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $444.7M of owner-occupied commercial real estate loans as of June 30, 2026, up 17.1% from a year earlier (NCUA 5300).
- Held $262.9M of non-owner-occupied commercial real estate loans as of June 30, 2026, up 14.3% from a year earlier (NCUA 5300).
- Held $93.8M of multifamily loans as of June 30, 2026, up 5.2% from a year earlier (NCUA 5300).
- Originated 8 multifamily loans totaling $20M in 2025 (HMDA).
6 more sentences
- Originated 1 multifamily loan totaling $1.3M in 2024 (HMDA).
- Originated 206 1-4 unit investor or business-purpose loans totaling $50.8M in 2025 (HMDA).
- Recorded 38 SBA 7(a) approvals totaling $11.5M from October 1, 2023 to September 30, 2026, of which 4 were later cancelled (SBA).
- Provided the first lien on 75 SBA 504 projects with $68.8M in first-lien dollars from October 1, 2023 to September 30, 2026, of which 1 was later cancelled (SBA).
- Originated 65 real-estate-secured commercial loans totaling $83.9M in the first half of 2026 (NCUA 5300).
- Listed 23 offices in 1 state (NCUA).
Cite this
Source: The Lender Report, Redwood Credit Union, https://lender.report/lender/redwood-credit-union-ca/, data as of June 30, 2026.
Sources
- NCUA 5300, June 30, 2026
- NCUA 5300, June 30, 2025
- HMDA, 2025
- SBA FOIA, September 30, 2026
- NCUA 5300, June 30, 2026
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Work at Redwood Credit Union? Claim this page, free.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem