Redstone Federal Credit Union Huntsville, Alabama
Redstone Federal Credit Union is a federal credit union headquartered in Huntsville, AL, established in 1951 (NCUA charter 7544), and it is regulated and insured by the NCUA. At Q2 2026 it reported 539,259 members and total assets of $8.59B (up 4.4% from Q2 2025), the largest of 87 credit unions headquartered in Alabama. Its net worth ratio was 13.86% at Q2 2026, in the well capitalized band.
Also written as Redstone FCU
BankRegReports is independent of Redstone Federal Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 7544
- Headquarters
- Huntsville, AL
- Established
- 1951
- Total assets, Q2 2026
- $8.59B
- Assets vs Q2 2025
- +4.4%
- Members, Q2 2026
- 539,259
- Net worth ratio, Q2 2026
- 13.86%
- Latest call report
- Q2 2026, NCUA 5300 · Redstone Federal Credit Union call report
- Asset rank in state
- 1st of 87 in Alabama
- Routing number
- 262275835
- Branches
- 46
It has 105,477 fewer members than on June 30, 2025 (-16.4%). Its net worth ratio was up 0.65 percentage points from 13.21% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $1.58B of $3.71B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.70% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 13.86% net worth ratio is above that band's 10.89% median.
Frequently asked about Redstone Federal Credit Union
How big is Redstone Federal Credit Union?
At Q2 2026 it reported total assets of $8.59B and 539,259 members.
Where is Redstone Federal Credit Union headquartered?
It is headquartered in Huntsville, AL, United States.
When was Redstone Federal Credit Union founded?
It was established in 1951, per NCUA records.
Is Redstone Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 7544): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Redstone Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Redstone Federal Credit Union well capitalized?
Its net worth ratio was 13.86% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Redstone Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.70% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Redstone Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 49.33% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Huntsville, AL 35893
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1951
- NCUA Charter #
- 7544
- RSSD ID
- 308489
- Members
- 539,259
- Potential members
- 8,133,395
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 4 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 13.86% | 10.89% | 85th top |
| Return on assets Middle half of peers: 0.59% to 1.25% | 1.85% | 0.89% | over 90th top |
| Return on equity Middle half of peers: 5.37% to 10.92% | 13.34% | 8.07% | 89th top |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.72% | 3.45% | 69th above |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 65.76% | 70.59% | 66th above |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.01% | 1.68% | over 90th top |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.70% | 0.68% | 49th below |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 4.73% | 5.12% | 26th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 49.33% | 88.03% | under 10th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$8.59B total assets against $8.23B; $7.52B total shares and deposits against $7.32B; $3.71B total loans against $3.71B.
$1.19B net worth against $1.09B.
13.86% net worth ratio against 13.21%.
49.33% loan-to-share ratio against 50.68%.
0.70% delinquency ratio against 0.84%.
1.85% return on assets against 1.95%; 13.34% return on equity against 14.77%.
3.72% net interest margin against 3.57%.
539,259 members against 644,736.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 13.86% | 1.85% | 0.70% | 49.33% |
| March 31, 2026 | 13.47% | 0.91% | 0.66% | 48.94% |
| December 31, 2025 | 13.49% | 0.84% | 0.87% | 50.33% |
| September 30, 2025 | 13.50% | 1.47% | 0.91% | 50.68% |
| June 30, 2025 | 13.21% | 1.95% | 0.84% | 50.68% |
| March 31, 2025 | 12.84% | 0.84% | 1.07% | 50.80% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.