RED OAK
Charter #63940 · Tuscaloosa, AL · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 6.29% sits at the 2nd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.00% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 84th percentile but its structural peers at the 54th — a 30-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | RED OAK | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $40.47M | 84th pct | 54th pct |
| Members | 5,730 | 98th pct | 72th pct |
| Net worth ratio | 6.29% | 1th pct | 2th pct |
| Return on average assets | 0.73% | 54th pct | 67th pct |
| Net interest margin | 3.82% | 48th pct | 43th pct |
| Cost of funds | 0.85% | 50th pct | 52th pct |
| Loan-to-share | 59.73% | 54th pct | 72th pct |
| Delinquency 60+ days | 0.73% | 57th pct | 52th pct |
| Net charge-off ratio | 0.00% | 23th pct | 18th pct |
| Loan growth YoY | -9.67% | 8th pct | 15th pct |
| Share growth YoY | 1.72% | 41th pct | 34th pct |
| Efficiency ratio | 86.82% | 66th pct | 52th pct |
structural peer set hash: 73185528c18921ff7a13f026fb01f4aa… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.