Red Oak Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (0.0 on a scale of 0 to 10). Very Weak current capitalization (0.6 on a scale of 0 to 10) based on a net capital to total assets of 4.0 and a net worth ratio of 8.4.
Other Rating Factors:
Fair liquidity 3.5, driven by a liquidity ratio of 7.1 percent and a “hot money” ratio of 6.1 percent.
Asset Mix:
Consumer loans (29%), home mtgs (13%), other (58%)
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
1008 Veterans Memorial Parkway
Tuscaloosa, AL 35404
Tuscaloosa, AL 35404
Phone Number
(205) 759-7317
NCUA Charter Number
Website
Largest Competitors
Tuscaloosa, AL
Tuscaloosa, AL
Tuscaloosa, AL
Tuscaloosa, AL
Tuscaloosa, AL
