# REDSTONE
HUNTSVILLE, AL · NCUA charter 7544 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/redstone-7544

Who the members are: federal charter, multiple common bond, organized 1951, low-income designated. 548,367 members of 8,080,206 potential (6.8% of the field); checking penetration 55% (share draft accounts per 100 members); loans per 100 members 45.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $8.57B |
| Members | 548,367 (-31.7% YoY) |
| Full-time staff | 1407 |
| Net worth | $1.15B |
| Net worth ratio | 13.5% (p87 of band) |
| ROA (annualized) | 0.91% (p66 of band) |
| Total delinquency | 0.66% (p55 of band) |
| Net charge-offs (annualized) | 1.04% (p86 of band) |
| Loans / shares | 49% (p3 of band) |
| Cash / assets | 4.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.61% (p70 of band) |
| Operating expense / assets | 3.56% (p68 of band) |
| Vehicles % of loans | 26% (p49 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 52% |
| Third-party paper % of net worth | 62% (p28 of band) |
| Vehicle delinquency | 0.89% (p72 of band) |
| Vehicle NCO | 2.57% (p92 of band) |
| Repossessed % of vehicle book | 0.08% (p52 of band) |
| Real estate % of loans | 42% |
| Credit cards % of loans | 7% |
| Unsecured % of loans | 12% |
| Commercial % of net worth | 47% |
| Core shares % of member funds | 55% |
| Certificates % of member funds | 15% |
| Average share balance | $6,601 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $14.6M |
| Loans outstanding per 100 members | 45% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $15,105 |
| Loans granted, annualized | $1.11B |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $14.6M outstanding purchased (1.3% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 3.0% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | leaning on borrowings |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | net worth falling |  |
| 2017-06 | 1 |  | net worth falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | delinquency rising |  |
| 2018-03 | 2 | charge-offs p90, assets shrinking | leaning on borrowings, delinquency rising |
| 2018-06 | 1 |  | assets shrinking |
| 2018-09 | 1 | assets shrinking | charge-offs p90 |
| 2018-12 | 0 |  | assets shrinking |
| 2019-03 | 1 | net worth falling |  |
| 2019-06 | 0 |  | net worth falling |
| 2019-09 | 1 | 3rd-party paper>100% NW |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 5 | net worth falling, losing money, margin squeeze, charge-offs p90 |  |
| 2020-06 | 3 |  | losing money, margin squeeze |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | net worth falling |  |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 3 | leaning on borrowings |  |
| 2021-12 | 2 |  | leaning on borrowings |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 3 | assets shrinking |  |
| 2023-06 | 2 |  | assets shrinking |
| 2023-09 | 3 | assets shrinking |  |
| 2023-12 | 3 | delinquency rising | assets shrinking |
| 2024-03 | 3 |  |  |
| 2024-06 | 1 |  | 3rd-party paper>100% NW, charge-offs p90 |
| 2024-09 | 1 |  |  |
| 2024-12 | 2 | delinquency 2x band |  |
| 2025-03 | 2 | charge-offs p90 | delinquency 2x band |
| 2025-06 | 1 | members leaving | delinquency rising, charge-offs p90 |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | net worth falling |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-21 [Redstone Federal Credit Union awards $30K to support North Alabama community initiatives - rocketcitynow.com](https://news.google.com/rss/articles/CBMiiAJBVV95cUxQTnMycE9oaGpzemFSYjFDR0thUldQRW1LVUZaWHZqVzRYUzAzcE9HWkFYOXRCNE11OHRNRmszZmJibmozX3NTS0FuODFFVGRPTXk3TWZrYklBVExGcEVUNTZZcUQtWFhGQUQtOVIwcURlT3N2aDlBMnM4bHFNblFGU3Mzc0h1Y0R5U3NESmk1U1Q5LTJCY2R0TXZnU2hmTUZPV2lnR2NxRzBhX3NRWmVWSHdQdTliR1UzOTdTQy1QWVA4Q1JRN05wOWVuNEdjZ2FqRFRnMXNfamlnZmNBRW1TWlZ6MmJCN3ZQZ0pBMFNkdlpaMzItNGQwLTZaQWVoUDJpdWRCaWx2NUs?oc=5) · rocketcitynow.com
- 2026-03-25 [Inside Alabama’s credit union movement - Business Alabama Magazine](https://news.google.com/rss/articles/CBMidEFVX3lxTE0xbDYwZ3JkY0JMaXNPSmlMU21DZF9VSHg1TGRnVG5YQUVTUTFncThEbzlqN3JDOERBMXRwT2h5ajhQLTRlNTAzU1RrUDhLZ2lKYUd0NHBDNlZidEU2RDJnbGJoVXBvRVEycUhhbDVXd21QZWtI?oc=5) · Business Alabama Magazine
- 2026-01-23 [75 years + 75 ways Alabama’s largest credit union has shaped Huntsville [PHOTOS] - Hville Blast](https://news.google.com/rss/articles/CBMicEFVX3lxTE9lWVVPV1BqLWl5cE1IdEd2SWdCTHdtTmExVzlhT2hEMjZUaTYzTVdYLUswOW8wekM4UzhEbTIxQlV5NFNiajNHaEtUY2Zka2dHQW1VYkJEWmhLRlVvRFgzRDJZZWFYRjI3TnZVcWFuMGU?oc=5) · Hville Blast
- 2026-03-25 [Redstone Federal Credit Union celebrates 75th anniversary by paying utility bills for Athens customers - WHNT.com](https://news.google.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?oc=5) · WHNT.com
- 2026-05-12 [Redstone Federal Credit Union surprises Huntsville customers with paid expenses - WAFF](https://news.google.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?oc=5) · WAFF
- 2026-02-13 [Redstone opens Cullman Marketplace branch - The Cullman Times](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOdWhZZXkyNHVyYmVhcnJzWUo1cXNPb3FxSGhfT2hVSzQ1bnpER2hCekU5QmNlRDBRVDBSOWdiOU5fbDR1Vzdpc0cyZFcwMGlvR2RvMjh2RDBqaFVKWEVpVElzOEZyTWlYWklFR01TSmlERVRjMHg0WmdjOENSS3M3cWk1UW03VG1J?oc=5) · The Cullman Times
- 2025-09-29 [Redstone Federal Credit Union opens first-of-its-kind branch in Huntsville - AL.com](https://news.google.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?oc=5) · AL.com
- 2026-05-13 [Redstone Federal Credit Union surprises 150 Huntsville families by paying grocery bills - rocketcitynow.com](https://news.google.com/rss/articles/CBMi_wFBVV95cUxPYzJ3VDJ4cGRRRWhCZmc0YnhKNUhpanZLWnN6OXlNd081NHc1aUhtbzVoSVI5SlZlaEN6TFo2alRIYThnVVZlYW1jV01ndUFTUENuZE0ybDNjZFRRcWJnbm5BSkFjVTJNcExCcEpGWVJDSUNHN2xiNHJmNWpmOVF4QTlWV0ZubGVuamJGVEt1dE9YYmtEMHM5QkVPUXBWckF4ajZoN2hGbHJUNXRkMHk4Z2s4WHlwLUMwbUUxQ1pPc292dEhqWnRHQzI3MDB2MUJFZ0NDSFZwUDA5OFJ2UHFJWEVramc3QmJTc1ZfMUdrd19vTWRwZ2NJaDZwVTB0TWs?oc=5) · rocketcitynow.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=7544 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/56.json (key "7544", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=7544
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide