Red's innate takes its sweet time to max out. I've seen it once I think. He hits like a truck when it does, thou. He will shine the most on long hard fights. When the clock is against you, and sometimes it will, you may be better off with chars with more immediate damage.
Cloud isn't underwhelming at all, 25 seems not like much, but remember that he has decent overall stats across the board, always depending on how you rank and gear him up, ofc. So he will tipically hit a tad lower than the specialists, while not being too bad in any area. I like to give him Mime and Enemy Skill and whatever else I feel is needed and the other two teammates don't bring already. That gives him plenty of options, while not hindering any particular stat. He fits well on pure physical, magical or mixed teams.
Also take in mind there's a plethora of stat bonuses floating around between weapons, armors and accesories, so you will most likely have your stats where you want them, for the most part. =)
Overall, after I've seen, I'd say the mod is in a very good spot balance wise. Everything feels useful one way or the other.
