Mobile Banking

Richard Ayala, CEO:

Richard is a graduate of California State University, San Bernardino, receiving a Bachelor of Arts degree in Accounting and Finance, graduating with high honors.  As well, Richard graduated from the University of Washington’s Graduate School of Business’s Pacific Coast Banking School, majoring in Global Economics and again graduating with honors.  Furthermore, Richard also graduated from Claremont Graduate University in Southern California, earning a Master’s degree in Management, graduating in the top 1% in the nation.  Shortly after graduating with his Masters, Richard briefly entered a PhD program in 2007 in Santa Barbara but withdrew due to his relocating employment opportunities, but hopes to continue his quest for a PhD in management [organizational transformative studies] starting in 2011.  Richard’s banking experience is quite broad; having completed three formal banking management training programs with Bank of America, First Interstate Bank and Toronto Dominion Bank of Canada, and has extensive commercial lending experience. He has also led four credit unions over the past 19 years as their CEO to revitalization, transforming the financial institutions into viability and competitiveness. Before moving to the credit union industry, Richard worked for the US Department of Commerce in the Los Angeles District office as a management analyst for two years, providing consulting services to small business through the Small Business Administration.

Jenna Cardoza, Operations Manager:

Jenna was born in Fortuna, Ca. and has lived in Eureka the majority of her life. She began her career in the financial industry at the age of sixteen as a teller for US Bank, before graduating from Eureka High School in 2002. Jenna attended CSU Sacramento for four years, all the while working as a Universal Banker for US Bank and later as New Accounts and Loans for Golden One Credit Union in Sacramento, California. After graduating with a Bachelor of Arts degree in Liberal Arts, Education in 2007 Jenna decided to return to her hometown of Eureka, in order to further pursue a career in banking. Jenna was hired as Operations Officer for North Valley Bank in 2007 where she performed an array of duties. After 3 ½ years with North Valley Bank Jenna joined the team at Northern Redwood Federal Credit Union to further her career and bring on various new challenges. She is an avid SF Giants and 49ers fan! She frequents Disneyland regularly and enjoys spending her spare time with friends and family.


Kalie Isaacs, Loan Services/Business Development:


Kalie was born and raised in Humboldt County, attending McKinleyville High School and Humboldt State University. She began her career in banking in 2011 after 6 years in retail. She’s married with a young daughter, and her family likes to spend their free time outdoors, enjoying the natural beauty only Humboldt can offer.



Debbie DeMarzi, Member Services Representative:

Deb Bio Pic

Debbie was born in Weaverville and moved around California with her family till ending up in Ferndale during her early elementary years. She has lived in Humboldt County since. Debbie graduated from Ferndale Union High School.

Debbie has three grown daughters, who all reside in Eureka, Ca. She also has two grandchildren whom she loves to spend time with. Spending time with family is the highlight of her day. Debbie has worked in the banking industry since 2002 at North Valley Bank in many different departments within the bank. Debbie started working at Northern Redwood FCU in April of 2012.






Northern Redwood F. C. U. Northern Redwood F. C. U. Northern Redwood F. C. U.