| Metric | Red Oak Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.6% | +1.3% | -5.9 pts |
| Share growth (YoY) | +1.1% | +0.9% | +0.2 pts |
| Loan growth (YoY) | -18.8% | -2.6% | -16.1 pts |
| ROA | -0.64% | 0.65% | -1.3 pts |
| ROE | -10.9% | 4.4% | -15.3 pts |
ROA ranks in the 10th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $40.1M | $31.7M | $17.9M | $2.3M | $-128K | -0.64% | 3.58% | 0.68% | 4,629 |
| Q1 2026 | $40.5M | $31.7M | $18.9M | $2.5M | $74K | 0.73% | 3.85% | 0.73% | 5,730 |
| Q4 2025 | $41.1M | $31.5M | $19.8M | $2.5M | $-645K | -1.57% | 3.59% | 0.44% | 4,629 |
| Q3 2025 | $40.9M | $31.1M | $20.9M | $2.8M | $-345K | -1.12% | 3.50% | 0.90% | 4,629 |
| Q2 2025 | $42.1M | $31.4M | $22.0M | $3.1M | $-33K | -0.16% | 3.13% | 1.26% | 4,629 |
| Q1 2025 | $43.7M | $32.1M | $22.5M | $3.1M | $-44K | -0.40% | 2.91% | 1.67% | 4,293 |
| Q4 2024 | $43.9M | $32.6M | $22.6M | $3.1M | $-649K | -1.48% | 2.33% | 0.46% | 4,337 |
| Q3 2024 | $44.4M | $32.7M | $22.6M | $3.5M | $-313K | -0.94% | 2.41% | 0.67% |
| Ratio | Red Oak Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.64% | 0.65% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | -10.9% | 4.4% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.58% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 4,373 |
| Q2 2024 | $44.4M | $33.8M | $21.8M | $3.6M | $-220K | -0.99% | 2.47% | 1.00% | 4,358 |
Loan mix (Q2 2026): real estate $5.2M · commercial $1.2M · consumer $9.0M · securities $13.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.2% | 80.6% | 74th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Red Oak Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Red Oak Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Red Oak Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Red Oak Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Red Oak Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
3 branches in 1 county across 1 state (+1 vs 2025). Biggest market: Tuscaloosa, AL, ranked 24th with 0.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Tuscaloosa, AL | 3 | $31.7M* | 0.52% | 24th |
Alabama: 188th with 0.02% · Tuscaloosa metro: 28th, 0.45% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 3