| Metric | Railroad Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.6% | +4.1% | -5.7 pts |
| Share growth (YoY) | -2.3% | +3.5% | -5.9 pts |
| Loan growth (YoY) | -12.8% | +2.9% | -15.7 pts |
| ROA | 0.65% | 0.74% | -0.1 pts |
| ROE | 4.5% | 6.5% | -2.0 pts |
ROA ranks in the 42nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $100.6M | $86.7M | $11.3M | $14.5M | $326K | 0.65% | 2.15% | 0.07% | 4,745 |
| Q1 2026 | $100.8M | $86.8M | $11.8M | $14.3M | $162K | 0.64% | 2.13% | 0.11% | 4,750 |
| Q4 2025 | $99.8M | $86.0M | $12.2M | $14.2M | $354K | 0.36% | 1.67% | 0.12% | 4,747 |
| Q3 2025 | $100.9M | $87.0M | $12.5M | $14.1M | $329K | 0.43% | 1.64% | 0.17% | 4,765 |
| Q2 2025 | $102.2M | $88.8M | $13.0M | $14.0M | $174K | 0.34% | 1.53% | 0.19% | 4,781 |
| Q1 2025 | $101.8M | $88.5M | $13.2M | $13.9M | $96K | 0.38% | 1.58% | 0.00% | 4,820 |
| Q4 2024 | $102.3M | $89.3M | $13.6M | $13.8M | $173K | 0.17% | 1.29% | 0.34% | 4,841 |
| Q3 2024 | $102.6M | $89.3M | $14.0M | $13.9M | $234K | 0.30% | 1.27% | 0.40% |
| Ratio | Railroad Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.65% | 0.74% | 42nd | |
Return on equity Annualized net income ÷ equity or net worth | 4.5% | 6.5% | 31st | |
Net interest margin Interest income − interest expense, ÷ assets | 2.15% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 4,840 |
| Q2 2024 | $105.4M | $92.2M | $14.4M | $13.8M | $154K | 0.29% | 1.15% | 0.38% | 4,844 |
Loan mix (Q2 2026): real estate $16K · commercial $0 · consumer $8.7M · securities $75.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.0% | 77.5% | 21st |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Railroad Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Railroad Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Railroad Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Railroad Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Railroad Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Jefferson, AL, ranked 36th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Jefferson, AL | 1 | $86.7M* | 0.18% | 36th |
Alabama: 157th with 0.05% · Birmingham metro: 47th, 0.14% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1