RAILWAY
Charter #60787 · MANDAN, ND · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 0.33% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.21% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 72nd percentile but its structural peers at the 43rd — a 30-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | RAILWAY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $207.34M | 53th pct | 52th pct |
| Members | 8,588 | 22th pct | 26th pct |
| Net worth ratio | 12.12% | 58th pct | 59th pct |
| Return on average assets | 0.85% | 60th pct | 48th pct |
| Net interest margin | 3.34% | 31th pct | 26th pct |
| Cost of funds | 0.33% | 14th pct | 15th pct |
| Loan-to-share | 81.60% | 72th pct | 43th pct |
| Delinquency 60+ days | 0.21% | 15th pct | 21th pct |
| Net charge-off ratio | 0.00% | 6th pct | 3th pct |
| Loan growth YoY | 6.14% | 91th pct | 92th pct |
| Share growth YoY | 7.53% | 90th pct | 82th pct |
| Efficiency ratio | 77.23% | 44th pct | 51th pct |
structural peer set hash: 4392b128586f596571e20fc278dfd8f6… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.