Credit Union Safety Analysis
Is Redstone Federal Credit Union Safe? Huntsville, Alabama
Based on its Q2 2026 NCUA 5300 call report, Redstone Federal Credit Union has a net worth ratio of 13.86%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.70%, 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, Redstone Federal Credit Union's net worth ratio is 13.86%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 13.86%
- Delinquency ratio (60+ days) (Q2 2026): 0.70%
- Return on assets (Q2 2026): 1.85%
- Loan-to-share ratio (Q2 2026): 49.33%
Redstone Federal Credit Union (NCUA charter 7544, established 1951) reported $8.59B in assets and 539,259 members for Q2 2026 from Huntsville, Alabama. It is the largest of 87 credit unions in Alabama by total assets. Total assets grew 4.4% from $8.23B on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 13.47% for Q1 2026; 13.21% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.66% for Q1 2026; 0.84% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.91% for Q1 2026; 1.95% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 48.94% for Q1 2026; 50.68% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $1.58B
- Used vehicle loans: $853.3M
- Commercial loans: $535.5M
- Unsecured credit card loans: $259.6M
- Other unsecured loans and lines of credit: $190.2M
- Other secured non-real estate loans and lines of credit: $174.1M
- New vehicle loans: $108.8M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $8.59B | 13.86% | 0.70% | 1.85% | 49.33% |
| March 31, 2026 | $8.57B | 13.47% | 0.66% | 0.91% | 48.94% |
| December 31, 2025 | $8.41B | 13.49% | 0.87% | 0.84% | 50.33% |
| September 30, 2025 | $8.28B | 13.50% | 0.91% | 1.47% | 50.68% |
| June 30, 2025 | $8.23B | 13.21% | 0.84% | 1.95% | 50.68% |
| March 31, 2025 | $8.17B | 12.84% | 1.07% | 0.84% | 50.80% |
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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.
Redstone Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 7544) · FFIEC NIC profile (RSSD 308489)
Frequently asked questions
Is Redstone Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Redstone Federal Credit Union's net worth ratio is 13.86%, above the 7% NCUA threshold for well capitalized.
Is Redstone Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Redstone Federal Credit Union is a federally insured credit union (NCUA charter 7544): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Redstone Federal Credit Union's key safety ratios?
For Q2 2026, Redstone Federal Credit Union reports net worth 13.86%, delinquency 0.70%, ROA 1.85%, loan-to-share 49.33%.
What happens to my money if Redstone Federal Credit Union fails?
For Q2 2026, Redstone Federal Credit Union held $7.52B in shares and deposits for 539,259 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.