Tuscaloosa, Alabama · Peer group 3
Red Oak Credit Union
Red Oak Credit Union holds $40.5M in assets across 5,730 members as of Q1 2026 — about $7K of assets per member, on a charter dating to 1955. Charter number 63940, in the $10M-$50M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $40.5M |
|---|---|
| Total loans | $18.9M |
| Total shares (deposits) | $31.7M |
| Net worth | $2.5M |
| Members | 5,730 |
| Assets per member | $7K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -7.5% | |
|---|---|---|
| Loans | -15.9% | lower than 94% of its peer group |
| Deposits | -1.3% | around the 34th percentile of its peer group |
| Members | 33.5% | higher than 100% of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 59.7% | around the 54th percentile of its peer group |
|---|---|---|
| Net worth ratio | 6.3% | lower than 99% of its peer group |
| Return on assets | 0.73% | around the 55th percentile of its peer group |
| Delinquency ratio | 0.73% | around the 57th percentile of its peer group |
| Cash / assets | 12.3% | around the 56th percentile of its peer group |
| Borrowings / assets | 17.4% | higher than 100% of its peer group |
What this page does not show
Everything above is Red Oak Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Alabama — the comparison set a peer ratio is measured against.
- Mead Coated Board Credit Union
Eufaula, AL
$40.5M · 1,569 members
- Lauderdale County Teachers Credit Union
Florence, AL
$38.4M · 1,963 members
- Gulf Coast Credit Union
MOBILE, AL
$44.1M · 4,792 members
- Social Security Credit Union
Birmingham, AL
$36.6M · 2,632 members
- Electrical Workers No 558 Credit Union
SHEFFIELD, AL
$45.3M · 2,614 members
- Solutions First Credit Union
Enterprise, AL
$45.7M · 4,941 members
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