BlastPoint's Credit Union Scorecard
REDSTONE
Charter #7544 · AL
REDSTONE has 5 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does AL stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 3.1% in tier
- + ROA 0.35% above tier average
- + Net Interest Margin 0.58% above tier average
- + AMR Growth Rate: Top 0.1% in tier
- + Share Certificate Concentration (%): Top 7.1% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 98.4% in tier
- - Membership Headwinds: Bottom 98.4% in tier
- - Efficiency ratio 1.81% above tier (higher cost structure)
- - Member decline: -16.4% YoY
- - Average Member Relationship (AMR): Bottom 3.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.6% in tier
- - Member Growth Rate: Bottom 7.1% in tier
- - Total Loans: Bottom 7.1% 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 28 credit unions with $7B-$10B in assets nationally, and 1 of 1 that size in Alabama.
- Shares and deposits +2.7% year over year ($7.52B in shares and deposits).
- Membership: 539,259 members, -16.4% vs a year ago.
- Delinquency rate 0.70%.
- Return on assets 1.38%.
- Efficiency ratio 67.87% vs a 66.07% peer average.
- Loan-to-share ratio 49.33% vs a 81.29% 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 |
539,259
-16.4% YoY-1.7% QoQ
|
+100.4K |
438,885
-1.1% YoY
|
28,281
-1.7% YoY
|
34,678
+6.6% YoY
|
71% |
| Assets |
$8.6B
+4.4% YoY+0.3% QoQ
|
$-328.6M |
$8.9B
+0.0% YoY
|
$459.0M
+7.0% YoY
|
$593.1M
+10.2% YoY
|
32% |
| Loans |
$3.7B
-0.0% YoY+0.2% QoQ
|
$-2.5B |
$6.2B
-0.6% YoY
|
$266.3M
+5.7% YoY
|
$418.6M
+10.1% YoY
|
Bottom 3.6% in tier |
| Deposits |
$7.5B
+2.7% YoY-0.6% QoQ
|
$-141.3M |
$7.7B
+2.7% YoY
|
$400.1M
+6.1% YoY
|
$504.8M
+10.3% YoY
|
39% |
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| ROA |
1.4%
-1.5% YoY+52.2% QoQ
|
+0.4% |
1.0%
+4.7% YoY
|
1.1%
+39.6% YoY
|
1.2%
+121.4% YoY
|
79% |
| NIM |
3.7%
+4.7% YoY+1.5% QoQ
|
+0.6% |
3.1%
+6.6% YoY
|
3.7%
+1.1% YoY
|
3.8%
+2.3% YoY
|
79% |
| Efficiency Ratio |
67.9%
+3.7% YoY-3.5% QoQ
|
+1.8% |
66.1%
+1.6% YoY
|
82.1%
+5.7% YoY
|
83.0%
-5.3% YoY
|
61% |
| Delinquency Rate |
0.7%
-16.3% YoY+5.2% QoQ
|
-0.1 |
0.8%
+23.1% YoY
|
1.4%
-5.8% YoY
|
1.3%
+2.6% YoY
|
46% |
| Loan To Share |
49.3%
-2.7% YoY+0.8% QoQ
|
-32.0% |
81.3%
-3.8% YoY
|
59.3%
-1.7% YoY
|
66.4%
-1.4% YoY
|
Bottom 3.6% in tier |
| AMR |
$20,810
+21.7% YoY+1.4% QoQ
|
$-16K |
$37,279
+8.1% YoY
|
$17,701
+4.0% YoY
|
$20,028
-0.9% YoY
|
Bottom 0.1% in tier |
| CD Concentration |
14.9%
-5.6% YoY-0.1% QoQ
|
-13.4% | 28.3% | 21.8% | 20.0% | Bottom 6.1% in tier |
| Indirect Auto % |
13.1%
-16.0% YoY-3.4% QoQ
|
-3.7% | 16.8% | 5.2% | 7.7% | 42% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)