TellerScore

Redstone Federal Credit Union is a federal credit union headquartered in Huntsville, Alabama, in business for about 75 years. At the end of Q2 2026 it reported $8.6B in total assets and $7.5B in member shares and deposits, with 20 offices across 2 states.

Based on its Q2 2026 filing, Redstone Federal Credit Union scores 85/100, which we describe as very strong. That is higher than 94% of 454 credit unions with $1 billion – $10 billion. Among 88 credit unions headquartered in Alabama, it ranks 23rd. Its strongest component is funding & liquidity (100/100; 49% loans-to-deposits, 7% uninsured), and its lowest is earnings (75/100; 1.38%).

TellerScore · Q2 2026

Scorecard

Capital cushion89/100
Net worth ratio: 13.86%
Loan quality77/100
Loans 60+ days delinquent ÷ total loans: 0.70%
Earnings75/100
Return on assets (annualized): 1.38%
Funding & liquidity100/100
Loans ÷ shares: 49.3% · 7.2% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.46%

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

From Q2 2025 to Q2 2026, the score rose 3 points (82 → 85), mostly because the capital cushion component improved by 7 points.

TellerScore
748085Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202481
Q3 202480
Q4 202475
Q1 202574
Q2 202582
Q3 202583
Q4 202582
Q1 202681
Q2 202685
Net worth ratio
7.00%10.43%13.86%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202412.88%
Q3 202412.91%
Q4 202413.08%
Q1 202512.84%
Q2 202513.21%
Q3 202513.50%
Q4 202513.49%
Q1 202613.47%
Q2 202613.86%
Delinquent loans (60+ days)
0.66%1.05%1.44%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.74%
Q3 20240.89%
Q4 20241.44%
Q1 20251.07%
Q2 20250.84%
Q3 20250.91%
Q4 20250.87%
Q1 20260.66%
Q2 20260.70%
Return on assets
0.84%1.13%1.41%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.33%
Q3 20241.28%
Q4 20241.22%
Q1 20250.84%
Q2 20251.39%
Q3 20251.41%
Q4 20251.25%
Q1 20260.91%
Q2 20261.38%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202685$8.6B13.86%0.70%1.38%49.3%
Q1 202681$8.6B13.47%0.66%0.91%48.9%
Q4 202582$8.4B13.49%0.87%1.25%50.3%
Q3 202583$8.3B13.50%0.91%1.41%50.7%
Q2 202582$8.2B13.21%0.84%1.39%50.7%
Q1 202574$8.2B12.84%1.07%0.84%50.8%
Q4 202475$7.9B13.08%1.44%1.22%53.3%
Q3 202480$7.8B12.91%0.89%1.28%54.2%
Q2 202481$7.7B12.88%0.74%1.33%54.9%

454 peers · $1 billion – $10 billion

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).

Capital ratio13.86%
87th
Problem loans0.70%
48th
Net charge-offs0.96%
16th
Return on assets1.38%
87th
Loans to deposits49.3%
98th
Uninsured deposits7.2%
70th
Loan-loss reserves0.00%
50th
Texas ratio2.5%
82nd

Similar-size credit unions in Alabama

InstitutionScoreAssetsCapitalProblem loansCompare
All in Federal Credit UnionCredit union Daleville, AL57 out of 100, Moderate$3.7B10.1%1.76%vs
Southern Energy Credit UnionCredit union Birmingham, AL84 out of 100, Strong$3.6B14.6%0.23%vs
America'S First Federal Credit UnionCredit union Birmingham, AL74 out of 100, Strong$2.8B12.3%0.77%vs
Max Credit UnionCredit union Montgomery, AL89 out of 100, Very strong$2.4B14.5%0.68%vs
Alabama Credit UnionCredit union Tuscaloosa, AL60 out of 100, Moderate$2.1B9.9%0.80%vs
Alabama One Credit UnionCredit union Tuscaloosa, AL59 out of 100, Moderate$1.5B9.1%0.85%vs

Deposit insurance

Is my money safe at Redstone Federal Credit Union?

Yes. Redstone Federal Credit Union is a federally insured credit union (NCUA charter #7544). 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 7.2% of shares and deposits ($540.8M) are above the $250,000 NCUA insurance limit, below the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 13.86%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

20 locations

Branches

Redstone Federal Credit Union lists 20 offices in 13 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Redstone Federal Credit Union reported 5,205 home-loan applications under HMDA (LEI 549300G6RZM5T8NQJW74): 3,221 originated ($432,615,000 total), 1,064 denied, and 627 withdrawn or closed by the applicant. Its denial rate on decided applications was 23.2%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Redstone Federal Credit Union
Type
Federal credit union
NCUA charter #
7544
RSSD ID
308489
Primary regulator
NCUA
Established
1951
Headquarters
220 Wynn Dr, Huntsville, AL 35893
Employees
1,421

Quick answers

Redstone Federal Credit Union: common questions

Is Redstone Federal Credit Union NCUA insured?

Yes. Redstone Federal Credit Union is a federally insured credit union (NCUA charter #7544). 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 Redstone Federal Credit Union's TellerScore?

85 out of 100 (Very strong), 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 Redstone Federal Credit Union have?

20 offices as of the latest NCUA data, in 2 states.