BlastPoint's Credit Union Scorecard
REDSTONE
Charter #7544 · AL
REDSTONE has 4 strengths but faces 8 concerns
How does the industry compare?
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How does AL stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 1.6% in tier
- + Net Interest Margin 0.55% above tier average
- + AMR Growth Rate: Top 0.1% in tier
- + Share Certificate Concentration (%): Top 6.9% in tier
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 31.8% in tier
- - Membership Headwinds: Bottom 100.0% in tier
- - Stagnation Risk: Bottom 100.0% in tier
- - Efficiency ratio 4.25% above tier (higher cost structure)
- - Member decline: -31.7% YoY
- - Average Member Relationship (AMR): Bottom 3.4% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.4% in tier
- - Member Growth Rate: Bottom 6.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
548,367
-31.7% YoY+0.6% QoQ
|
+111.5K |
436,889
-2.3% YoY
|
28,055
-6.4% YoY
|
33,913
+5.7% YoY
|
83% |
| Assets |
$8.6B
+4.8% YoY+1.9% QoQ
|
$-341.4M |
$8.9B
-0.1% YoY
|
$451.2M
+7.2% YoY
|
$578.3M
+9.0% YoY
|
28% |
| Loans |
$3.7B
-0.8% YoY-0.6% QoQ
|
$-2.4B |
$6.1B
-1.1% YoY
|
$260.3M
+6.6% YoY
|
$402.4M
+8.7% YoY
|
Bottom 3.4% in tier |
| Deposits |
$7.6B
+3.0% YoY+2.3% QoQ
|
$-97.1M |
$7.7B
+1.8% YoY
|
$395.2M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
41% |
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| ROA |
0.9%
+5.6% YoY-28.3% QoQ
|
+0.0% |
0.9%
+16.3% YoY
|
0.6%
-14.6% YoY
|
0.4%
-39.2% YoY
|
45% |
| NIM |
3.6%
+3.5% YoY+1.7% QoQ
|
+0.6% |
3.1%
+6.3% YoY
|
3.7%
+0.6% YoY
|
3.8%
+4.1% YoY
|
72% |
| Efficiency Ratio |
70.3%
+1.4% YoY+5.7% QoQ
|
+4.3% |
66.1%
-2.8% YoY
|
80.4%
-0.1% YoY
|
84.6%
+2.8% YoY
|
62% |
| Delinquency Rate |
0.7%
-37.9% YoY-23.1% QoQ
|
+0.0 |
0.6%
+12.0% YoY
|
1.6%
+17.5% YoY
|
1.2%
+3.4% YoY
|
59% |
| Loan To Share |
48.9%
-3.7% YoY-2.8% QoQ
|
-31.5% |
80.4%
-3.4% YoY
|
59.2%
-1.1% YoY
|
65.6%
-1.4% YoY
|
Bottom 3.4% in tier |
| AMR |
$20,527
+49.0% YoY+0.7% QoQ
|
$-17K |
$37,056
+6.8% YoY
|
$17,504
+3.5% YoY
|
$19,920
+1.6% YoY
|
Bottom 0.1% in tier |
| CD Concentration |
14.9%
-2.0% YoY-5.2% QoQ
|
-13.7% | 28.6% | 21.3% | 19.8% | Bottom 6.1% in tier |
| Indirect Auto % |
13.6%
-17.3% YoY-3.2% QoQ
|
-2.8% | 16.4% | 5.1% | 7.7% | 47% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)