BlastPoint's Credit Union Scorecard

REDSTONE

Charter #7544 · AL

Large 7B-10B

Redstone at VentureTech 2026 · Fort Worth

YOU MADE THE SET.

Redstone is one of 101 credit unions in the 2026 VentureTech card set. We also found Redstone's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.

2026 CU
CARD SET

VENTURETECH EDITION

Redstone

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REDSTONE
PEER · AT VENTURETECH
PEER · AT VENTURETECH
REDSTONE'S BIGGEST OPPORTUNITY

28 CUs in 7B-10B nationally 1 in AL

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REDSTONE has 5 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Large Tier

What's your peer group doing?

AL Analysis

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

WORLD 1 · VENTURETECH

The real pack is waiting in Fort Worth

1 CLEAR Your card arrived By email from Collier at BlastPoint
2 YOU ARE HERE Open your pack Right here on your Scorecard
3 BOSS LEVEL Grab the real pack At the BlastPoint booth
4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report

ADMIT ONE · PLAYER 1

Your printed pack

Where: The BlastPoint booth, Omni Fort Worth
Expo hall: Mon Nov 16 and Tue Nov 17

Pick a time to meet

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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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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

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

growth

#2 of 20 • Top 3.1% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 21.72%

(Tier: 4.16%, National: 35.20%)

better than tier avg

20 of 67 Large CUs have this signature | 635 nationally

→ Stable (17→20 CUs) +3 CUs YoY

Concerns (2)

Stagnation Risk

risk

#1 of 13 • Bottom 98.4% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -16.36%

(Tier: 4.24%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -0.01%

(Tier: 7.79%, National: 78.26%)

worse than tier avg

Delinquency Rate: 0.70%

(Tier: 0.79%, National: 1.26%)

but better than tier avg

13 of 67 Large CUs have this signature | 653 nationally

→ Stable (11→13 CUs) +2 CUs YoY

Membership Headwinds

decline

#2 of 13 • Bottom 98.4% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -16.36%

(Tier: 4.24%, National: 15.67%)

worse than tier avg

13 of 67 Large CUs have this signature | 653 nationally

→ Stable (11→13 CUs) +2 CUs YoY

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)

Compare against:

Comparing against 28 peers in tier

Top Strengths (8 metrics)

AMR Growth Rate

growth

Value: 21.72%

Peer Median: 3.49%

#1 of 28 Top 0.1% in 7B-10B tier

Share Certificate Concentration (%)

balance_sheet

Value: 14.90%

Peer Median: 26.96%

#3 of 28 Top 7.1% in 7B-10B tier

Fee Income Per Member

profitability

Value: $283.19

Peer Median: $206.85

#4 of 28 Top 10.7% in 7B-10B tier

Return on Assets (ROA)

profitability

Value: 1.38%

Peer Median: 1.12%

#6 of 28 Top 17.9% in 7B-10B tier

Net Interest Margin (NIM)

profitability

Value: 3.66%

Peer Median: 3.12%

#6 of 28 Top 17.9% in 7B-10B tier

Net Worth Ratio

risk

Value: 13.86%

Peer Median: 11.61%

#6 of 28 Top 17.9% in 7B-10B tier

First Mortgage Concentration (%)

balance_sheet

Value: 28.75%

Peer Median: 37.58%

#6 of 28 Top 17.9% in 7B-10B tier

Total Members

engagement

Value: 539,259

Peer Median: 451,813

#8 of 28 Top 25.0% in 7B-10B tier

Top Weaknesses (7 metrics)

Average Member Relationship (AMR)

engagement

Value: $20,810

Peer Median: $31,495

#28 of 28 Bottom 3.6% in 7B-10B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $6,874

Peer Median: $13,051

#28 of 28 Bottom 3.6% in 7B-10B tier

Member Growth Rate

growth

Value: -16.36%

Peer Median: 2.28%

#27 of 28 Bottom 7.1% in 7B-10B tier

Total Loans

balance_sheet

Value: $3.71B

Peer Median: $6.60B

#27 of 28 Bottom 7.1% in 7B-10B tier

Loan-to-Share Ratio

balance_sheet

Value: 49.33%

Peer Median: 83.58%

#27 of 28 Bottom 7.1% in 7B-10B tier

Net Charge-Off Rate

risk

Value: 0.96%

Peer Median: 0.42%

#26 of 28 Bottom 10.7% in 7B-10B tier

Loan Growth Rate

growth

Value: -0.01%

Peer Median: 4.76%

#25 of 28 Bottom 14.3% in 7B-10B tier