Railroad Credit Union
Total assets
$100.8M
▼ -0.9% YoY
Shares & deposits
$86.8M
▼ -1.9% YoY
Loans
$11.8M
▼ -10.0% YoY
Members
4,750
▼ -1.5% YoY
ROA (annualized)
0.64%
peers 0.69%
ROE (annualized)
4.51%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | Railroad Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.9% | +3.9% | -4.8 pts |
| Share growth (YoY) | -1.9% | +3.3% | -5.2 pts |
| Loan growth (YoY) | -10.0% | +2.9% | -12.9 pts |
| ROA | 0.64% | 0.69% | -0.1 pts |
| ROE | 4.5% | 5.9% | -1.4 pts |
ROA ranks in the 46th percentile of its peer group · Q1 2026
Profile
- Established
- 1956
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- P O Box 100185, Irondale, AL, 35210
- NCUA charter #
- 68688
- RSSD ID
- 677989
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| 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% | 4,840 |
| Q2 2024 | $105.4M | $92.2M | $14.4M | $13.8M | $154K | 0.29% | 1.15% | 0.38% | 4,844 |
Loan mix (Q1 2026): real estate $18K · commercial $0 · consumer $9.0M · securities $77.7M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Railroad Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.64% | 0.69% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 4.5% | 5.9% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.13% | 3.62% | 1th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.8% | 78.7% | 21th | |
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% |
Balance sheet
| 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% |
Capital
| 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% |
Credit quality
| 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% |
Franchise
| 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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