Federal credit union · HUNTSVILLE, Alabama · NCUA charter #7544
REDSTONE
Health score 77/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $8.41B
- Total assets
- 544,893
- Members
- 13.5%
- Net-worth ratio
REDSTONE scores 77/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $8.41B; members 544,893; net-worth ratio 13.47%; health rank #3,085 of 4,374; healthier than 28th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,085 of 4,374 health · 2025Q4REDSTONE · health 77/100 · $8.41B · 2025Q4
Call Report peers
REDSTONE in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
REDSTONE vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); REDSTONE sits in 75-79 with 502 others.
77 28th percentile higher than 28% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
REDSTONE: Call Report deltas vs peers
- Net Worth Ratio leads the peer set - 13.47% here, 11.18% peer average (+2.29 pp).
- Loan-to-Share Ratio trails the peer set - 50.33% here, 83.90% peer average (-33.57 pp).
REDSTONE: in-state Call Report ranks
- Health composite ranks #63 of 89 among scored Alabama credit unions.
- Assets rank #1 of 89 inside Alabama ($8.41B reported).
- Member book place in Alabama: #1 of 89.
- One place up in Alabama, Baldwin County (#62) scores 78/100, 1 point higher; one place down, RIVERFALL (#64) scores 76/100, 1 point lower.
REDSTONE Call Report trajectory
REDSTONE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.9% from $8.41B (2025Q4) to $8.57B (2026Q1).
- Net-worth ratio shifted -0.02 pp (13.49% → 13.47%).
This credit union's 13.47% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 77/100 score is built
REDSTONE gives up 23 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.3 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 10.7 pts
Call Report ratios for REDSTONE
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.47% | +2.29 pp |
| Delinquency Rate | 0.87% | -0.01 pp |
| Return on Assets | 1.14% | +0.63 pp |
| Member Growth | -32.83% | - |
| Loan-to-Share Ratio | 50.33% | -33.57 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
REDSTONE quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $8.57B | - |
| 2025Q4 | $8.41B | 544,893 |
| 2024Q4 | $7.89B | 811,236 |
| 2023Q4 | $7.55B | 806,953 |
Credit Union Details
- Charter Number
- 7544
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- Over $500M
- State
- Alabama
- City
- HUNTSVILLE
- Data Quarter
- 2025Q4
Branch Locations (45)
Per its most recent NCUA branch filing, REDSTONE runs 45 offices in 19 different cities across 2 states.
| Office | City |
|---|---|
| Main Office (Main Office) | Huntsville, AL |
| Arab Branch | Arab, AL |
| Athens Branch | Athens, AL |
| East Athens Branch | Athens, AL |
| Big Cove Branch | Big Cove, AL |
| Beltline Branch | Decatur, AL |
| 6th Avenue Branch | Decatur, AL |
| Austin High School Branch | Decatur, AL |
| Decatur High School Branch | Decatur, AL |
| Fayetteville Branch | Fayetteville, TN |
| Guntersville Branch | Guntersville, AL |
| Hartselle Branch | Hartselle, AL |
| Hartselle High School Branch | Hartselle, AL |
| Highway 53 Branch | Harvest, AL |
| Hazel Green High School Branch | Hazel Green, AL |
| Hazel Green Branch | Hazel Green, AL |
| Weatherly Road Branch | Huntsville, AL |
| North Parkway Branch | Huntsville, AL |
| South Parkway Branch | Huntsville, AL |
| Hobbs Road Branch | Huntsville, AL |
| Winchester Road Branch | Huntsville, AL |
| Twickenham Branch | Huntsville, AL |
| UAH Branch | Huntsville, AL |
| Zierdt Rd Branch | Huntsville, AL |
| Mae Jemison High School Branch | Huntsville, AL |
| Highway 72 Branch (Madison) | Madison, AL |
| Madison Branch | Madison, AL |
| County Line Rd | Madison, AL |
| Bob Jones High School | Madison, AL |
| James Clemens High School Branch | Madison, AL |
| Meridianville Branch | Meridianville, AL |
| South Rutherford Blvd Branch | Murfreesboro, TN |
| Medical Center Parkway Branch | Murfreesboro, TN |
| Blackman High School Branch | Murfreesboro, TN |
| Veteran's Parkway Branch | Murfreesboro, TN |
| Future Murfreesboro Branch Office | Murfreesboro, TN |
| Siegel High School Branch | Murfreesboro, TN |
| Alabama A&M University Branch | Normal, AL |
| Redstone Arsenal Branch | Redstone Arsenal, AL |
| Mills Road Branch | Redstone Arsenal, AL |
| Scottsboro Branch | Scottsboro, AL |
| Scottsboro High School Branch | Scottsboro, AL |
| Future Shelbyville Branch Office | Shelbyville, TN |
| Sam Ridley Parkway Branch | Smyrna, TN |
| Calhoun Community College - Decatur Branch | Tanner, AL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Alabama
More federally-insured credit unions based in Alabama, ordered by peer group match and asset size.
REDSTONE nationwide neighbourhoods
Using this data
- REDSTONE ranks #3,085 of 4,374 nationally on financial health and #63 of 89 in AL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- All in is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with All in
Frequently Asked Questions
Is REDSTONE financially healthy?
On its 2025Q4 NCUA 5300 filing, REDSTONE scores 77/100 (Very Good), with a 13.47% net worth ratio and 0.87% of loans delinquent. It ranks #3,085 of 4,374 nationally on health and #63 of 89 in Alabama.
How does REDSTONE compare to other credit unions?
REDSTONE scores 77/100, higher than 28% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (13.47% vs 11.18%). Its widest shortfall is loan-to-share ratio (50.33% vs 83.90%).
How can I join REDSTONE?
REDSTONE operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact REDSTONE directly for the exact boundaries and application steps.
Is my money safe at REDSTONE?
REDSTONE is a federal 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. REDSTONE's net worth ratio of 13.47% exceeds 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.