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: 6.7% YoY
- + Member Growth Rate: Top 4.4% in tier
Key Concerns
Areas that may need attention
- - ROA 2.19% below tier average
- - Efficiency ratio 10.36% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 0.8% in tier
- - AMR Growth Rate: Bottom 4.0% in tier
- - Indirect Auto Concentration (%): Bottom 7.5% in tier
- - Asset Growth Rate: Bottom 9.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,629
+6.7% YoY0% QoQ
|
+2.0K |
2,615
-1.9% YoY
|
27,849
-7.3% YoY
|
33,374
+5.7% YoY
|
84% |
| Assets |
$41.1M
-6.6% YoY+0.4% QoQ
|
+$10.9M |
$30.1M
+2.1% YoY
|
$442.6M
+8.5% YoY
|
$561.6M
+9.7% YoY
|
70% |
| Loans |
$19.8M
-12.3% YoY-5.2% QoQ
|
+$4.1M |
$15.8M
-1.3% YoY
|
$260.4M
+7.2% YoY
|
$397.0M
+8.8% YoY
|
70% |
| Deposits |
$31.5M
-3.4% YoY+1.3% QoQ
|
+$5.8M |
$25.7M
+1.4% YoY
|
$387.0M
+6.9% YoY
|
$477.3M
+9.7% YoY
|
67% |
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| ROA |
-1.6%
+7.1% YoY+42.0% QoQ
|
-2.2% |
0.6%
+10.8% YoY
|
0.7%
+32.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 4.0% in tier |
| NIM |
3.6%
+55.0% YoY+4.2% QoQ
|
-0.4% |
4.0%
+4.0% YoY
|
3.7%
+4.6% YoY
|
3.8%
+5.1% YoY
|
38% |
| Efficiency Ratio |
92.9%
-17.1% YoY-3.3% QoQ
|
+10.4% |
82.6%
-2.3% YoY
|
78.3%
-5.6% YoY
|
79.7%
-3.3% YoY
|
80% |
| Delinquency Rate |
0.4%
-5.4% YoY-51.7% QoQ
|
-1.1 |
1.6%
-3.1% YoY
|
1.7%
+25.2% YoY
|
1.3%
-2.1% YoY
|
38% |
| Loan To Share |
62.9%
-9.3% YoY-6.4% QoQ
|
+2.3% |
60.6%
-3.1% YoY
|
60.7%
-1.8% YoY
|
67.4%
-1.7% YoY
|
53% |
| AMR |
$11,097
-12.9% YoY-1.4% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$17,441
+4.4% YoY
|
$19,687
+2.0% YoY
|
34% |
| CD Concentration |
11.8%
+7.4% YoY-5.4% QoQ
|
-12.6% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % |
14.4%
-12.5% YoY-22.8% QoQ
|
+0.6% | 13.8% | 5.2% | 7.8% | 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)