State credit union · Tuscaloosa, Alabama · NCUA charter #63940
Red Oak
Health score 71/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 71
- Health / 100
- $41.1M
- Total assets
- 4,629
- Members
- 6.3%
- Net-worth ratio
Red Oak scores 71/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $41.1M; members 4,629; net-worth ratio 6.29%; health rank #3,566 of 4,374; healthier than 18th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,566 of 4,374 health · 2025Q4Red Oak · health 71/100 · $41.1M · 2025Q4
- BOOK 71/100
- CHARTER 6.3%
- NCUSIF 0.44%
- CAMELS -1.58%
- HEALTH $41.1M
- NW 4,629
- DELQ #3,566/4,374
- ROA CHIROPRACTIC
- ASSETS 63940
Call Report peers
Red Oak in the assets neighbourhood
Red Oak's $41.1M assets sit next to CHIROPRACTIC ($41.1M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Red Oak vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
71 18th percentile higher than 18% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Red Oak - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #63940 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Red Oak: Call Report deltas vs peers
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +3.14 pp (62.94% vs 59.80%).
- Net Worth Ratio trails the peer set - 6.29% here, 14.86% peer average (-8.57 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Alabama standing for Red Oak
- In Alabama, health place is #73 of 89 on the same NCUA-ratio sort used nationally.
- Alabama assets place: #49 of 89.
- Alabama membership ordinal: #43 of 89.
In-state ordinals use the live credit_unions table for AL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Red Oak Call Report trajectory
Red Oak: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.5% from $41.1M (2025Q4) to $40.5M (2026Q1).
- Net-worth ratio shifted +0.27 pp (6.02% → 6.29%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 6.29%, this institution is below the 7.0% NCUA well-capitalized threshold.
How the 71/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 71.
- Net Worth Ratio 17.2 pts
- Delinquency Rate 25.0 pts
- Return on Assets 0.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 13.8 pts
Red Oak health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 6.29% | -8.57 pp |
| Delinquency Rate | 0.44% | -0.71 pp |
| Return on Assets | -1.58% | -2.29 pp |
| Member Growth | 6.73% | - |
| Loan-to-Share Ratio | 62.94% | +3.14 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Red Oak quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $40.5M | - |
| 2025Q4 | $41.1M | 4,629 |
| 2024Q4 | $43.9M | 4,337 |
| 2023Q4 | $43.1M | 4,377 |
Credit Union Details
- Charter Number
- 63940
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Alabama
- City
- Tuscaloosa
- Data Quarter
- 2025Q4
Branch Locations (3)
Red Oak operates 3 offices across 3 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Tuscaloosa Branch (Main Office) | Tuscaloosa, AL |
| Northport Branch | Northport, AL |
| DATA MANAGEMENT | TUSCALOOSA, AL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Alabama
A look at other Alabama credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for Red Oak
Two NCUA Call Report peer sets for Red Oak, both outside Alabama so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($41.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (71/100 here).
Using this data
- Red Oak ranks #3,566 of 4,374 nationally on financial health and #73 of 89 in AL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Mead Coated Board is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Mead Coated Board
- Rates and health both vary by institution, not just by state -- see how Alabama credit unions compare overall before assuming this one is typical. Alabama state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Red Oak financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Red Oak carries a financial health score of 71/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,566 of 4,374; by total assets it ranks #2,583 of 4,374 nationally (same basis as /rankings/largest); and #49 of 89 within Alabama. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 6.29% net worth ratio and a 0.44% delinquency rate.
How does Red Oak compare to other credit unions?
On PlainCU's health composite, Red Oak lands at 71/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Red Oak?
Membership eligibility for Red Oak depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Red Oak directly for current membership requirements and application steps.
Is my money safe at Red Oak?
Federal credit unions like Red Oak are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Red Oak's net worth ratio of 6.29% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Red Oak offer compared to banks?
Credit unions like Red Oak are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Red Oak directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.