Redstone Federal Credit Union
Total assets
$8.57B
▲ +4.8% YoY
Shares & deposits
$7.56B
▲ +3.0% YoY
Loans
$3.70B
▼ -0.8% YoY
Members
548,367
▼ -31.7% YoY
ROA (annualized)
0.91%
peers 0.71%
ROE (annualized)
6.72%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.8% | +5.1% | -0.3 pts |
| Share growth (YoY) | +3.0% | +4.9% | -1.8 pts |
| Loan growth (YoY) | -0.8% | +5.4% | -6.2 pts |
| ROA | 0.91% | 0.71% | +0.2 pts |
| ROE | 6.7% | 6.3% | +0.4 pts |
ROA ranks in the 66th percentile of its peer group · Q1 2026
Profile
- Established
- 1951
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 220 Wynn Dr, Huntsville, AL, 35893
- NCUA charter #
- 7544
- RSSD ID
- 308489
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $8.57B | $7.56B | $3.70B | $1.15B | $19.4M | 0.91% | 3.61% | 0.66% | 548,367 |
| Q4 2025 | $8.41B | $7.39B | $3.72B | $1.14B | $105.4M | 1.25% | 3.52% | 0.87% | 544,893 |
| Q3 2025 | $8.28B | $7.30B | $3.70B | $1.12B | $87.7M | 1.41% | 3.53% | 0.91% | 649,975 |
| Q2 2025 | $8.23B | $7.32B | $3.71B | $1.09B | $57.4M | 1.39% | 3.48% | 0.84% | 644,736 |
| Q1 2025 | $8.17B | $7.34B | $3.73B | $1.05B | $17.2M | 0.84% | 3.42% | 1.07% | 802,746 |
| Q4 2024 | $7.89B | $7.09B | $3.78B | $1.03B | $96.1M | 1.22% | 3.44% | 1.44% | 811,236 |
| Q3 2024 | $7.83B | $7.00B | $3.79B | $1.01B | $74.9M | 1.28% | 3.47% | 0.89% | 813,194 |
| Q2 2024 | $7.66B | $6.91B | $3.80B | $987.9M | $50.8M | 1.33% | 3.56% | 0.74% | 809,890 |
Loan mix (Q1 2026): real estate $1.55B · commercial $538.9M · consumer $1.42B · securities $4.13B
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.91% | 0.71% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 6.7% | 6.3% | 53th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.61% | 3.32% | 69th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.3% | 73.0% | 40th | |
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% |
Balance sheet
| Ratio | Value | 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% |
Capital
| Ratio | Value | 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% |
Credit quality
| Ratio | Value | 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% |
Franchise
| Ratio | Value | 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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