Redstone Federal Credit Union (7544), a $8.3B credit union headquartered in Huntsville, AL, led by CEO Newberry, reported $7.3B in member deposits at the end of 2025 Q3, an increase of $301.5M (+4.3%) compared to the same quarter last year.
The credit union's 50.7% loan-to-share ratio reflects ample liquidity with room for additional lending capacity.
Taken together: funding position remains adequate for current lending levels.
Deposit Composition
Redstone Federal Credit Union's deposit portfolio is led by Regular Shares, comprising 34.4% of total deposits—basic savings accounts with no withdrawal restrictions.
Deposit Portfolio Breakdown
| Deposit Type | Balance | % of Total | YoY Growth |
|---|---|---|---|
| Regular Shares | $2.5B | 34.4% | -1.5% |
| Money Market | $1.8B | 24.9% | +7.0% |
| Share Drafts | $1.5B | 19.9% | +4.2% |
| Share Certificates | $1.2B | 16.1% | +15.0% |
| IRA/KEOGH | $320.7M | 4.4% | +1.7% |
| Other Shares | $26.1M | 0.4% | +14.4% |
| Non-Member Deposits | $29K | 0.0% | -66.9% |
Source: NCUA 5300 Call Reports (2025_Q3)
Quarterly Deposit Trends
Moderate deposit growth suggests stable member relationships balanced with competitive pricing pressures.
Quarterly Trend
| Period | Total Deposits | QoQ Change | Avg/Member |
|---|---|---|---|
| 2024 Q2 | $6.9B | $9K | |
| 2024 Q3 | $7.0B | +1.3% | $9K |
| 2024 Q4 | $7.1B | +1.4% | $9K |
| 2025 Q1 | $7.3B | +3.4% | $9K |
| 2025 Q2 | $7.3B | -0.3% | $11K |
| 2025 Q3 | $7.3B | -0.3% | $11K |
Source: NCUA 5300 Call Reports
Member Deposit Metrics
Redstone Federal Credit Union serves 649,975 members, a decrease of 20.1% year-over-year. The average member deposit of $11K has grown 30.5% compared to last year.
Deposit growth exceeding member growth suggests existing members are increasing their balances, a sign of deepening relationships.
Historical Context: Since the 2008 Crisis
Redstone Federal Credit Union's deposit base has grown 259% since Q3 2008, when the financial crisis was at its peak. At that time, the credit union held $2.0B in member deposits serving 301,353 members.
Membership has expanded 116% over this period, demonstrating strong community trust and successful member acquisition.
Peer Comparison
Among 100 credit unions in its $4.1B–$12.4B asset peer group, Redstone Federal Credit Union ranks in the 41st percentile for deposit growth.
Outlook
Redstone Federal Credit Union's deposit trajectory will depend on rate competitiveness, member retention efforts, and the broader economic environment affecting member savings behavior.
Redstone Federal Credit Union's Q4 2025 results, expected in early 2026, will provide further insight into whether this deposit growth trajectory can be sustained.
Track This Credit Union
Monitor Redstone Federal Credit Union's quarterly deposit performance, member metrics, and share composition with Finleet Terminal.
Data Sources: NCUA 5300 Call Reports (2025_Q3), NCUA Historical Data (2007-present), Finleet Proprietary Analysis
Methodology: Year-over-year growth calculated comparing 2025_Q3 to same quarter prior year. Peer groups defined as credit unions within 50% asset range. Average deposit calculated as total shares and deposits divided by total members.