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
Call Report peers
Red Oak in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Red Oak sits in 70-74 with 317 others.
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: 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).
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.
- One place up in Alabama, Fort Mcclellan (#72) ties at 71/100; one place down, Champion Community (#74) scores 70/100, 1 point lower.
Red Oak Call Report trajectory
Red Oak: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.5% from $41.1M (2025Q4) to $40.5M (2026Q1).
- Net-worth ratio shifted +0.27 pp (6.02% → 6.29%).
At 6.29%, this institution is below the 7.0% NCUA well-capitalized threshold.
How the 71/100 score is built
Red Oak gives up 29 points in total. Return on Assets costs the most, 15 of its 15; Delinquency Rate and Member Growth score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Red Oak financially healthy?
Red Oak has a financial health score of 71/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,566 of 4,374 nationally on health and #73 of 89 in Alabama. Its net worth ratio is 6.29% and its delinquency rate 0.44%.
How does Red Oak compare to other credit unions?
Red Oak scores 71/100, higher than 18% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (62.94% vs 59.80%). Its widest shortfall is net worth ratio (6.29% vs 14.86%).
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?
Red Oak is a state-chartered credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.