Credit Union Safety Analysis
Is Red Oak Credit Union Safe? Tuscaloosa, Alabama
Based on its Q2 2026 NCUA 5300 call report, Red Oak Credit Union has a net worth ratio of 5.84%, below the NCUA level for adequately capitalized, its 60-day delinquency ratio is 0.68%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Red Oak Credit Union's net worth ratio is 5.84%, below the 6% NCUA level for adequately capitalized.
- Net worth ratio (Q2 2026): 5.84%
- Delinquency ratio (60+ days) (Q2 2026): 0.68%
- Return on assets (Q2 2026): -2.01%
- Loan-to-share ratio (Q2 2026): 56.26%
Red Oak Credit Union (NCUA charter 63940, established 1955) reported $40.1M in assets and 4,629 members for Q2 2026 from Tuscaloosa, Alabama. It ranks 49 of 87 credit unions in Alabama by total assets. Total assets fell 4.6% from $42.1M on June 30, 2025. It had the same number of members on June 30, 2025. Its net worth ratio was down 1.44 percentage points from 7.28% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $6.5M of $17.9M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.68% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 6.29% for Q1 2026; 7.28% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.73% for Q1 2026; 1.26% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.73% for Q1 2026; 0.11% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 59.73% for Q1 2026; 70.02% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $6.5M
- New vehicle loans: $3.7M
- Unsecured credit card loans: $2.5M
- Used vehicle loans: $2.1M
- Commercial loans: $1.2M
- Other secured non-real estate loans and lines of credit: $1.0M
- Other unsecured loans and lines of credit: $741K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $40.1M | 5.84% | 0.68% | -2.01% | 56.26% |
| March 31, 2026 | $40.5M | 6.29% | 0.73% | 0.73% | 59.73% |
| December 31, 2025 | $41.1M | 6.02% | 0.44% | -2.92% | 62.94% |
| September 30, 2025 | $40.9M | 6.84% | 0.90% | -3.05% | 67.26% |
| June 30, 2025 | $42.1M | 7.28% | 1.26% | 0.11% | 70.02% |
| March 31, 2025 | $43.7M | 7.09% | 1.67% | -0.40% | 70.12% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Regulator records: NCUA credit union profile (charter 63940) · FFIEC NIC profile (RSSD 234896)
Frequently asked questions
Is Red Oak Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Red Oak Credit Union's net worth ratio is 5.84%, below the 6% NCUA level for adequately capitalized.
Is Red Oak Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Red Oak Credit Union is a federally insured credit union (NCUA charter 63940): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Red Oak Credit Union's key safety ratios?
For Q2 2026, Red Oak Credit Union reports net worth 5.84%, delinquency 0.68%, ROA -2.01%, loan-to-share 56.26%.
What happens to my money if Red Oak Credit Union fails?
For Q2 2026, Red Oak Credit Union held $31.7M in shares and deposits for 4,629 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.