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Redwood Credit Union Community Fund Inc

EIN 47-5084832 · Santa Rosa, CA

Public records show a registered, tax-exempt organization in good standing.

LegitimacyPassesRegistration and standingFinancial healthStrong100 out of 100GovernanceFair63 out of 100Impact evidenceDescribes programsHow well its results are evidenced

What it says it does

REDWOOD CREDIT UNION COMMUNITY FUND, INC. WILL HELP TO MAKE A MEANINGFUL IMPACT IN ADVANCING THE WELL-BEING OF OUR COMMUNITIES. OUR APPROACH IS TO BE RESPECTFUL AND INTENTIONAL IN OUR GIVING. WE EXIST TO MEET THE NEEDS OF OTHERS.

Income
$1.4 million
Spending
$766,413
Spent on programs
92%
Reserves
Over 10 years of spending
Largest source of income
donations and private grants, 84%
Employees
0
Volunteers
6

Source: Form 990 for the year ending December 31, 2024, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Financial health

Strong: 100 out of 100. Higher than 79% of charities in its peer group (philanthropy, $1m to $10m).

  • Reserves

    35 of 35

    Spendable reserves would cover more than ten years of spending.

  • Debt

    20 of 20

    It owes 5% of what it owns.

  • Living within its means

    15 of 15

    Income exceeded spending by 45% of income.

  • Income trend

    15 of 15

    Income rose 290% on the year before.

  • Spending floor

    15 of 15

    92% of spending went to programs and raising each dollar of donations cost 0 cents.

Source: Form 990 for the year ending December 31, 2024, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Governance

Fair: 63 out of 100. Higher than 17% of charities in its peer group (philanthropy, $1m to $10m).

  • Independent board

    5 of 25

    0 of 5 voting board members are independent.

  • Conflict of interest policy

    15 of 15

    Has a written conflict of interest policy.

  • Whistleblower policy

    8 of 8

    Has a written whistleblower policy.

  • Record keeping policy

    7 of 7

    Has a written policy on keeping and destroying records.

  • Board minutes

    5 of 5

    Keeps minutes of board meetings.

  • Board sees the tax return

    10 of 10

    Gave the board a copy of this return before filing it.

  • Independent check of accounts

    0 of 15

    Its accounts were not audited or reviewed by an independent accountant.

  • No reported misuse

    10 of 10

    Reports no diversion of assets, excess benefits or loans to insiders.

Source: Form 990 for the year ending December 31, 2024, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Impact evidence

Describes programs. Its tax return describes what it does but we have found no measurable results in it.

Programs described in its return (4)
  1. $461,577 spent. COMMUNITY WELLNESS - COMMUNITY WELLNESS INCLUDING HOUSING.
  2. $112,000 spent. DISASTER AND FIRE RELIEF - TO HELP RETURN THE HEALTH AND VIBRANCY TO COMMUNITIES AFFECTED BY NATURAL DISASTERS. THIS PROGRAM PROVIDES SUPPORT TO PARTNER ORGANIZATIONS IN AFFECTED AREAS AS WELL AS DIRECT SUPPORT TO INDIVIDUALS AND FAMILIES.
  3. $111,986 spent. EMPLOYEE GIVING CAMPAIGN - EMPLOYEES OF REDWOOD CREDIT UNION MAY DONATE TO THE ORGANIZATION THROUGH PAYROLL DEDUCTION AND DESIGNATE THE GRANTEE RECIPIENTS THAT ARE 501(C)(3) PUBLIC CHARITIES.
  4. $17,151 spent. FINANCIAL WELLNESS - FINANCIAL LITERACY INITIATIVES TO EDUCATE PEOPLE OF ALL AGES IN ESSENTIAL MONEY MANAGEMENT SKILLS.

Source: Form 990 for the year ending December 31, 2024, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Legitimacy checks

  1. Is it registered with the IRS? Passed.

    Listed in the IRS master file of tax-exempt organizations as a 501(c)(3) charitable organization.

    Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated September 7, 2026.

  2. Has the IRS revoked its tax-exempt status? Passed.

    Not on the IRS automatic revocation list.

    Source: Automatic revocation of exemption list, Internal Revenue Service, file dated September 30, 2026.

  3. Are donations tax-deductible? Passed.

    On the IRS list of organizations eligible to receive tax-deductible contributions.

    Source: Publication 78 data: organizations eligible for tax-deductible contributions, Internal Revenue Service, file dated September 10, 2026.

  4. Is it keeping up with its IRS filings? Passed.

    Most recent return on file covers the year ending December 2025.

    Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated September 7, 2026.

  5. How long has it been tax-exempt? Passed.

    Recognized by the IRS since December 2015.

    Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated September 7, 2026.

  6. Is it in good standing with state regulators? Passed.

    Not on California's list of charities barred from soliciting. Other states are not yet checked.

    Source: May Not Operate or Solicit for Charitable Purposes list, California Attorney General, Registry of Charities and Fundraisers, file dated October 7, 2026.

Ratings and checks are our reading of public records, using the published method. They are not a statement about anyone's honesty. If you work for this organization, you can send corrections or results, confirm you want gifts through Veridonate, or ask to be removed from giving.