BlastPoint's Credit Union Scorecard
RED OAK
Charter #63940 · AL
RED OAK has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.58% above tier average
- + Strong member growth: 33.5% YoY
- + Member Growth Rate: Top 1.0% in tier
- + Members Per Employee (MPE): Top 9.0% in tier
Key Concerns
Areas that may need attention
- - AMR Growth Rate: Bottom 0.9% in tier
- - Net Worth Ratio: Bottom 1.2% in tier
- - Asset Growth Rate: Bottom 8.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,730
+33.5% YoY+23.8% QoQ
|
+3.1K |
2,676
+1.6% YoY
|
28,055
-6.4% YoY
|
33,913
+5.7% YoY
|
Top 10.0% in tier |
| Assets |
$40.5M
-7.5% YoY-1.5% QoQ
|
+$10.3M |
$30.2M
+1.3% YoY
|
$451.2M
+7.2% YoY
|
$578.3M
+9.0% YoY
|
70% |
| Loans |
$18.9M
-15.9% YoY-4.7% QoQ
|
+$3.6M |
$15.3M
-2.0% YoY
|
$260.3M
+6.6% YoY
|
$402.4M
+8.7% YoY
|
69% |
| Deposits |
$31.7M
-1.3% YoY+0.5% QoQ
|
+$5.9M |
$25.8M
+0.7% YoY
|
$395.2M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
67% |
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| ROA |
0.7%
-281.4% YoY-146.4% QoQ
|
+0.6% |
0.1%
-77.6% YoY
|
0.6%
-14.6% YoY
|
0.4%
-39.2% YoY
|
56% |
| NIM |
3.9%
+32.7% YoY+7.1% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
3.7%
+0.6% YoY
|
3.8%
+4.1% YoY
|
51% |
| Efficiency Ratio |
86.8%
-13.8% YoY-6.6% QoQ
|
-3.8% |
90.6%
+6.5% YoY
|
80.4%
-0.1% YoY
|
84.6%
+2.8% YoY
|
62% |
| Delinquency Rate |
0.7%
-56.4% YoY+67.1% QoQ
|
-0.8 |
1.5%
+3.8% YoY
|
1.6%
+17.5% YoY
|
1.2%
+3.4% YoY
|
54% |
| Loan To Share |
59.7%
-14.8% YoY-5.1% QoQ
|
+1.2% |
58.5%
-3.0% YoY
|
59.2%
-1.1% YoY
|
65.6%
-1.4% YoY
|
51% |
| AMR |
$8,828
-30.6% YoY-20.4% QoQ
|
$-6K |
$14,884
-1.7% YoY
|
$17,504
+3.5% YoY
|
$19,920
+1.6% YoY
|
22% |
| CD Concentration |
12.1%
-1.2% YoY+2.0% QoQ
|
-12.2% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % |
0.0%
-100.0% YoY-100.0% QoQ
|
-13.8% | 13.8% | 5.1% | 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)