Red Oak
Tuscaloosa, AL · Charter 63940 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$40.1MAssets
$17.9MLoans
$31.7MShares
$2.3MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 49% of credit unions under $1B in assets (rank 859 of 1682).
- Widest gap: equity / assets trails 99% of credit unions under $1B in assets (rank 1672 of 1683).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
-0.64%
Rank 1,583 of 1,683
Net Interest Margin
3.58%
Rank 1,058 of 1,683
Efficiency Ratio
91.10%
Rank 1,415 of 1,682
Equity / Assets
5.84%
Rank 1,672 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.64% | 0.35% | 0.74% | 1.18% | Beats 6% | 1,583 / 1,683 | | |
| Return on Equity | -10.93% | 2.67% | 5.89% | 8.74% | Beats 3% | 1,628 / 1,681 | | |
| Net Interest Margin | 3.58% | 3.31% | 3.82% | 4.32% | Beats 37% | 1,058 / 1,683 | | |
| Efficiency Ratio | 91.10% | 68.91% | 78.20% | 86.93% | Beats 16% | 1,415 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.68% | 0.26% | 0.65% | 1.29% | Beats 49% | 859 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 5.84% | 10.44% | 12.89% | 16.53% | Beats 1% | 1,672 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 5.84% | 10.44% | 12.89% | 16.53% | Beats 1% | 1,672 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 56.26% | 52.61% | 69.38% | 83.50% | 30th pctl | 1,181 / 1,683 | | |
| Loans / Assets | 44.48% | 44.71% | 59.18% | 70.72% | 25th pctl | 1,270 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |