BlastPoint's Credit Union Scorecard
RED OAK
Charter #63940 · AL
RED OAK has 2 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 5.9% YoY
- + Member Growth Rate: Top 5.9% in tier
Key Concerns
Areas that may need attention
- - ROA 1.79% below tier average
- - Efficiency ratio 14.68% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 1.5% in tier
- - Indirect Auto Concentration (%): Bottom 6.2% in tier
- - AMR Growth Rate: Bottom 6.7% in tier
- - Asset Growth Rate: Bottom 7.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,629
+5.9% YoY0% QoQ
|
+2.0K |
2,625
-2.2% YoY
|
29,240
-2.8% YoY
|
33,089
+6.1% YoY
|
83% |
| Assets |
$40.9M
-7.9% YoY-2.8% QoQ
|
+$11.0M |
$29.9M
+1.1% YoY
|
$436.7M
+7.4% YoY
|
$547.7M
+7.8% YoY
|
71% |
| Loans |
$20.9M
-7.3% YoY-4.7% QoQ
|
+$5.2M |
$15.8M
-2.4% YoY
|
$258.0M
+6.8% YoY
|
$388.7M
+8.6% YoY
|
72% |
| Deposits |
$31.1M
-4.9% YoY-0.8% QoQ
|
+$5.7M |
$25.5M
+0.4% YoY
|
$382.5M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
67% |
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| ROA |
-1.1%
+17.9% YoY+621.1% QoQ
|
-1.8% |
0.7%
-731.4% YoY
|
0.8%
+31.6% YoY
|
0.7%
+273.4% YoY
|
Bottom 5.1% in tier |
| NIM |
3.5%
+43.1% YoY+12.5% QoQ
|
-0.5% |
3.9%
+3.8% YoY
|
3.7%
+6.4% YoY
|
3.7%
+5.0% YoY
|
32% |
| Efficiency Ratio |
96.1%
-8.9% YoY-3.2% QoQ
|
+14.7% |
81.4%
-2.4% YoY
|
76.4%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 14.8% in tier |
| Delinquency Rate |
0.9%
+35.0% YoY-28.8% QoQ
|
-0.6 |
1.5%
-2.0% YoY
|
1.7%
+18.9% YoY
|
1.2%
-0.9% YoY
|
58% |
| Loan To Share |
67.3%
-2.6% YoY-3.9% QoQ
|
+6.0% |
61.2%
-3.0% YoY
|
60.8%
-1.6% YoY
|
68.0%
-1.7% YoY
|
58% |
| AMR |
$11,249
-11.1% YoY-2.4% QoQ
|
$-3K |
$14,627
-2.7% YoY
|
$17,062
+2.3% YoY
|
$19,418
+1.3% YoY
|
35% |
| CD Concentration |
12.5%
+21.9% YoY-0.4% QoQ
|
-11.9% |
24.4%
+4.2% YoY
|
20.8%
+2.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
18.6%
-3.3% YoY+4.3% QoQ
|
+4.6% |
14.0%
-5.7% YoY
|
5.4%
-6.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)