BlastPoint's Credit Union Scorecard
RED OAK
Charter #63940 · AL
RED OAK faces 5 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.86% below tier average
- - Efficiency ratio 2.41% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 0.9% in tier
- - Indirect Auto Concentration (%): Bottom 6.5% in tier
- - Loan Growth Rate: Bottom 7.8% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 52 that size in Alabama.
- Shares and deposits +1.1% year over year ($31.7M in shares and deposits).
- Membership: 4,629 members, +0.0% vs a year ago.
- Delinquency rate 0.68%.
- Return on assets 0.63%.
- Efficiency ratio 91.17% vs a 88.77% peer average.
- Loan-to-share ratio 56.26% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,629
0% YoY-19.2% QoQ
|
+2.0K |
2,585
-1.7% YoY
|
28,281
-1.7% YoY
|
34,678
+6.6% YoY
|
84% |
| Assets |
$40.1M
-4.6% YoY-0.8% QoQ
|
+$9.9M |
$30.3M
+1.5% YoY
|
$459.0M
+7.0% YoY
|
$593.1M
+10.2% YoY
|
69% |
| Loans |
$17.9M
-18.7% YoY-5.6% QoQ
|
+$2.4M |
$15.5M
-1.7% YoY
|
$266.3M
+5.7% YoY
|
$418.6M
+10.1% YoY
|
67% |
| Deposits |
$31.7M
+1.1% YoY+0.2% QoQ
|
+$5.9M |
$25.8M
+1.1% YoY
|
$400.1M
+6.1% YoY
|
$504.8M
+10.3% YoY
|
67% |
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| ROA |
0.6%
-512.0% YoY-13.4% QoQ
|
-0.9% |
1.5%
+241.5% YoY
|
1.1%
+39.6% YoY
|
1.2%
+121.4% YoY
|
40% |
| NIM |
3.6%
+16.1% YoY-7.5% QoQ
|
-0.3% |
3.9%
+0.9% YoY
|
3.7%
+1.1% YoY
|
3.8%
+2.3% YoY
|
36% |
| Efficiency Ratio |
91.2%
-8.1% YoY+5.0% QoQ
|
+2.4% |
88.8%
-6.9% YoY
|
82.1%
+5.7% YoY
|
83.0%
-5.3% YoY
|
74% |
| Delinquency Rate |
0.7%
-46.4% YoY-6.8% QoQ
|
-0.9 |
1.5%
+2.1% YoY
|
1.4%
-5.8% YoY
|
1.3%
+2.6% YoY
|
49% |
| Loan To Share |
56.3%
-19.7% YoY-5.8% QoQ
|
-2.6% |
58.9%
-3.1% YoY
|
59.3%
-1.7% YoY
|
66.4%
-1.4% YoY
|
46% |
| AMR |
$10,715
-7.1% YoY+21.4% QoQ
|
$-4K |
$14,963
-6.8% YoY
|
$17,701
+4.0% YoY
|
$20,028
-0.9% YoY
|
31% |
| CD Concentration |
12.4%
-0.9% YoY+3.0% QoQ
|
-12.1% | 24.6% | 21.8% | 20.0% | 50% |
| Indirect Auto % |
15.1%
-15.7% YoY
|
+1.4% | 13.6% | 5.2% | 7.7% | 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)