BlastPoint's Credit Union Scorecard
REDSTONE
Charter #7544 · AL
REDSTONE has 6 strengths but faces 12 concerns
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How does AL stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 0.0% in tier
- + ROA 0.29% above tier average
- + Net Interest Margin 0.58% above tier average
- + AMR Growth Rate: Top 0.0% in tier
- + Fee Income Per Member: Top 9.1% in tier
- + Share Certificate Concentration (%): Top 9.1% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 0.0% in tier
- - Stagnation Risk: Bottom 0.0% in tier
- - Institutional Decline: Bottom 80.0% in tier
- - Efficiency ratio 1.70% above tier (higher cost structure)
- - Delinquency rate 0.15% above tier average
- - Member decline: -32.8% YoY
- - Member Growth Rate: Bottom 3.0% in tier
- - Average Member Relationship (AMR): Bottom 3.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.0% in tier
- - Net Charge-Off Rate: Bottom 6.1% in tier
- - Total Loans: Bottom 6.1% in tier
- - Loan-to-Share Ratio: Bottom 6.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
544,893
-32.8% YoY-16.2% QoQ
|
+99.0K |
445,922
+0.4% YoY
|
27,849
-7.3% YoY
|
33,374
+5.7% YoY
|
82% |
| Assets |
$8.4B
+6.6% YoY+1.6% QoQ
|
$-518.8M |
$8.9B
+0.9% YoY
|
$442.6M
+8.5% YoY
|
$561.6M
+9.7% YoY
|
27% |
| Loans |
$3.7B
-1.7% YoY+0.6% QoQ
|
$-2.5B |
$6.3B
+0.8% YoY
|
$260.4M
+7.2% YoY
|
$397.0M
+8.8% YoY
|
Bottom 3.0% in tier |
| Deposits |
$7.4B
+4.2% YoY+1.3% QoQ
|
$-127.8M |
$7.5B
+1.2% YoY
|
$387.0M
+6.9% YoY
|
$477.3M
+9.7% YoY
|
39% |
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| ROA |
1.3%
+3.3% YoY-10.9% QoQ
|
+0.3% |
1.0%
+27.8% YoY
|
0.7%
+32.7% YoY
|
0.7%
+15.9% YoY
|
76% |
| NIM |
3.5%
+2.7% YoY+0.2% QoQ
|
+0.6% |
3.0%
+12.0% YoY
|
3.7%
+4.6% YoY
|
3.8%
+5.1% YoY
|
76% |
| Efficiency Ratio |
66.5%
-2.7% YoY+2.1% QoQ
|
+1.7% |
64.8%
-2.3% YoY
|
78.3%
-5.6% YoY
|
79.7%
-3.3% YoY
|
61% |
| Delinquency Rate |
0.9%
-39.7% YoY-4.6% QoQ
|
+0.1 |
0.7%
+5.5% YoY
|
1.7%
+25.2% YoY
|
1.3%
-2.1% YoY
|
64% |
| Loan To Share |
50.3%
-5.6% YoY-0.7% QoQ
|
-33.1% |
83.4%
-0.6% YoY
|
60.7%
-1.8% YoY
|
67.4%
-1.7% YoY
|
Bottom 3.0% in tier |
| AMR |
$20,392
+52.1% YoY+20.5% QoQ
|
$-14K |
$34,266
-1.7% YoY
|
$17,441
+4.4% YoY
|
$19,687
+2.0% YoY
|
Bottom 0.0% in tier |
| CD Concentration |
15.7%
+3.3% YoY-1.9% QoQ
|
-13.4% | 29.1% | 21.2% | 19.8% | Bottom 7.5% in tier |
| Indirect Auto % |
14.0%
-18.6% YoY-5.4% QoQ
|
-3.0% | 17.1% | 5.2% | 7.8% | 45% |
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)