Red Oak Credit Union (NCUA charter #63940) is based in Tuscaloosa, Alabama. Its Q2 2026 call report shows $40.1M in total assets and $31.7M in member shares and deposits and 3 offices.
Based on its Q2 2026 filing, Red Oak Credit Union scores 46/100, which we describe as below average. That is higher than only 6% of 2,479 credit unions with under $100 million in assets. Among 88 credit unions headquartered in Alabama, it ranks 83rd. Its strongest component is funding & liquidity (100/100; 56% loans-to-deposits, 5% uninsured), and its lowest is earnings (0/100; -0.64%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (45 → 46).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 49 |
| Q3 2024 | 51 |
| Q4 2024 | 51 |
| Q1 2025 | 39 |
| Q2 2025 | 45 |
| Q3 2025 | 45 |
| Q4 2025 | 48 |
| Q1 2026 | 57 |
| Q2 2026 | 46 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 8.05% |
| Q3 2024 | 7.83% |
| Q4 2024 | 7.15% |
| Q1 2025 | 7.09% |
| Q2 2025 | 7.28% |
| Q3 2025 | 6.84% |
| Q4 2025 | 6.02% |
| Q1 2026 | 6.29% |
| Q2 2026 | 5.84% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.00% |
| Q3 2024 | 0.67% |
| Q4 2024 | 0.46% |
| Q1 2025 | 1.67% |
| Q2 2025 | 1.26% |
| Q3 2025 | 0.90% |
| Q4 2025 | 0.44% |
| Q1 2026 | 0.73% |
| Q2 2026 | 0.68% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.99% |
| Q3 2024 | -0.94% |
| Q4 2024 | -1.48% |
| Q1 2025 | -0.40% |
| Q2 2025 | -0.16% |
| Q3 2025 | -1.12% |
| Q4 2025 | -1.57% |
| Q1 2026 | 0.73% |
| Q2 2026 | -0.64% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 46 | $40.1M | 5.84% | 0.68% | -0.64% | 56.3% |
| Q1 2026 | 57 | $40.5M | 6.29% | 0.73% | 0.73% | 59.7% |
| Q4 2025 | 48 | $41.1M | 6.02% | 0.44% | -1.57% | 62.9% |
| Q3 2025 | 45 | $40.9M | 6.84% | 0.90% | -1.12% | 67.3% |
| Q2 2025 | 45 | $42.1M | 7.28% | 1.26% | -0.16% | 70.0% |
| Q1 2025 | 39 | $43.7M | 7.09% | 1.67% | -0.40% | 70.1% |
| Q4 2024 | 51 | $43.9M | 7.15% | 0.46% | -1.48% | 69.4% |
| Q3 2024 | 51 | $44.4M | 7.83% | 0.67% | -0.94% | 69.1% |
| Q2 2024 | 49 | $44.4M | 8.05% | 1.00% | -0.99% | 64.6% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Alabama
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Mead Coated Board Federal Credit UnionCredit union Eufaula, AL | 62 out of 100, Moderate | $40.3M | 23.0% | 6.71% | vs |
| Lauderdale County Teachers Credit UnionCredit union Florence, AL | 90 out of 100, Very strong | $38.5M | 12.8% | 0.00% | vs |
| Social Security Credit UnionCredit union Birmingham, AL | 84 out of 100, Strong | $37.4M | 22.6% | 1.47% | vs |
| Gulf Coast Federal Credit UnionCredit union Mobile, AL | 26 out of 100, Low | $44.2M | 5.9% | 2.74% | vs |
| Wcu Credit UnionCredit union Decatur, AL | 67 out of 100, Moderate | $36.0M | 9.0% | 0.29% | vs |
| Solutions First Federal Credit UnionCredit union Enterprise, AL | 20 out of 100, Low | $45.2M | 1.9% | 2.43% | vs |
Deposit insurance
Is my money safe at Red Oak Credit Union?
Yes. Red Oak Credit Union is a federally insured credit union (NCUA charter #63940). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 4.8% of shares and deposits ($1.5M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 5.84%, below the 7% level regulators use as the "well capitalized" benchmark for this measure.
3 locations
Branches
Red Oak Credit Union lists 3 offices in 2 cities. Most locations:
- Tuscaloosa, AL (2)
- Northport, AL (1)
Identity & history
Profile
- Legal name
- Red Oak Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 63940
- RSSD ID
- 234896
- Primary regulator
- State + NCUA
- Established
- 1955
- Headquarters
- 1008 Veterans Memorial Pkwy, Tuscaloosa, AL 35404
- Employees
- 10
Quick answers
Red Oak Credit Union: common questions
Is Red Oak Credit Union NCUA insured?
Yes. Red Oak Credit Union is a federally insured credit union (NCUA charter #63940). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Red Oak Credit Union's TellerScore?
46 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Red Oak Credit Union have?
3 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Tuscaloosa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Nucor Employee'S Credit UnionCredit union Florence, SC | 91 out of 100, Very strong | $68.2M | 19.7% | 0.61% | vs |
| First State Bank of the South, Inc.Bank Sulligent, AL | 89 out of 100, Very strong | $130.7M | 16.4% | 0.24% | vs |
| City Credit UnionCredit union Tuscaloosa, AL | 86 out of 100, Very strong | $21.3M | 24.0% | 0.79% | vs |
| Tuscaloosa V a Federal Credit UnionCredit union Tuscaloosa, AL | 84 out of 100, Strong | $51.9M | 13.1% | 0.24% | vs |
| Southern Energy Credit UnionCredit union Birmingham, AL | 84 out of 100, Strong | $3.6B | 14.6% | 0.23% | vs |
| Robertson Banking CompanyBank Demopolis, AL | 83 out of 100, Strong | $462.7M | 11.3% | 0.13% | vs |