Redstone Federal Credit Union
Major Rating Factors:
Excellent current capitalization (9.3 on a scale of 0 to 10) based on a net capital to total assets of 11.1 and a net worth ratio of 13.5. A current level of 2.8 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.3).
Other Rating Factors:
Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 0.9 has resulted in Excellent (8.3) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (7.0 on a scale of 0 to 10).
Asset Mix:
Consumer loans (17%), home mtgs (12%), comm loans (7%), other (65%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
220 Wynn Drive
Huntsville, AL 35893
Huntsville, AL 35893
Phone Number
(256) 837-6110
NCUA Charter Number
Website
Largest Competitors
Daleville, AL
Birmingham, AL
Birmingham, AL
Huntsville, AL
Huntsville, AL