BlastPoint's Credit Union Scorecard
REDSTONE
Charter #7544 · AL
REDSTONE has 7 strengths but faces 13 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 0.0% in tier
- + Profitability Leader: Top 53.3% in tier
- + ROA 0.39% above tier average
- + Net Interest Margin 0.54% above tier average
- + AMR Growth Rate: Top 0.0% in tier
- + Total Members: Top 3.3% in tier
- + Share Certificate Concentration (%): Top 10.0% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 0.0% in tier
- - Stagnation Risk: Bottom 0.0% in tier
- - Credit Quality Pressure: Bottom 20.5% in tier
- - Institutional Decline: Bottom 33.3% in tier
- - Efficiency ratio 1.38% above tier (higher cost structure)
- - Delinquency rate 0.23% above tier average
- - Member decline: -20.1% YoY
- - Member Growth Rate: Bottom 3.3% in tier
- - Loan-to-Share Ratio: Bottom 3.3% in tier
- - Average Member Relationship (AMR): Bottom 3.3% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.3% in tier
- - Total Loans: Bottom 3.3% in tier
- - Net Charge-Off Rate: Bottom 6.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
649,975
-20.1% YoY+0.8% QoQ
|
+190.7K |
459,296
+3.8% YoY
|
29,240
-2.8% YoY
|
33,089
+6.1% YoY
|
Top 6.7% in tier |
| Assets |
$8.3B
+5.7% YoY+0.6% QoQ
|
$-645.0M |
$8.9B
+1.2% YoY
|
$436.7M
+7.4% YoY
|
$547.7M
+7.8% YoY
|
23% |
| Loans |
$3.7B
-2.5% YoY-0.2% QoQ
|
$-2.6B |
$6.3B
+2.9% YoY
|
$258.0M
+6.8% YoY
|
$388.7M
+8.6% YoY
|
Bottom 0.0% in tier |
| Deposits |
$7.3B
+4.3% YoY-0.3% QoQ
|
$-156.7M |
$7.5B
+2.3% YoY
|
$382.5M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
37% |
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| ROA |
1.4%
+9.9% YoY+1.3% QoQ
|
+0.4% |
1.0%
+22.1% YoY
|
0.8%
+31.6% YoY
|
0.7%
+273.4% YoY
|
77% |
| NIM |
3.5%
+0.8% YoY+1.2% QoQ
|
+0.5% |
3.0%
+11.5% YoY
|
3.7%
+6.4% YoY
|
3.7%
+5.0% YoY
|
77% |
| Efficiency Ratio |
65.1%
-2.3% YoY-0.6% QoQ
|
+1.4% |
63.7%
-2.2% YoY
|
76.4%
-6.2% YoY
|
79.1%
-3.3% YoY
|
60% |
| Delinquency Rate |
0.9%
+2.3% YoY+8.5% QoQ
|
+0.2 |
0.7%
+10.8% YoY
|
1.7%
+18.9% YoY
|
1.2%
-0.9% YoY
|
73% |
| Loan To Share |
50.7%
-6.5% YoY+0.0% QoQ
|
-34.8% |
85.4%
+0.7% YoY
|
60.8%
-1.6% YoY
|
68.0%
-1.7% YoY
|
Bottom 0.0% in tier |
| AMR |
$16,917
+27.5% YoY-1.1% QoQ
|
$-17K |
$33,660
-2.9% YoY
|
$17,062
+2.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 0.0% in tier |
| CD Concentration |
16.1%
+10.2% YoY+1.7% QoQ
|
-12.8% |
28.9%
-1.3% YoY
|
20.8%
+2.9% YoY
|
19.6%
+6.2% YoY
|
Bottom 7.8% in tier |
| Indirect Auto % |
14.9%
-18.0% YoY-5.0% QoQ
|
-1.7% |
16.6%
-10.3% YoY
|
5.4%
-6.7% YoY
|
7.9%
-2.9% YoY
|
47% |
Signature Analysis
Strengths (2)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (4)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)