RAILWAY EMPLOYEES
Charter #61474 · Muscle Shoals, AL · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 21.95% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.12% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.06% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 36th percentile but its structural peers at the 54th — a 18-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 EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $20.98M | 38th pct | 39th pct |
| Members | 1,358 | 19th pct | 26th pct |
| Net worth ratio | 21.95% | 90th pct | 79th pct |
| Return on average assets | 0.93% | 64th pct | 54th pct |
| Net interest margin | 3.55% | 36th pct | 54th pct |
| Cost of funds | 0.12% | 8th pct | 8th pct |
| Loan-to-share | 35.53% | 15th pct | 30th pct |
| Delinquency 60+ days | 0.53% | 47th pct | 43th pct |
| Net charge-off ratio | -0.06% | 12th pct | 11th pct |
| Loan growth YoY | -2.61% | 48th pct | 56th pct |
| Share growth YoY | 6.88% | 85th pct | 82th pct |
| Efficiency ratio | 75.73% | 39th pct | 56th pct |
structural peer set hash: 9e66e805921d747e7d00239d4aeff4db… (reproducible)
Closest structural peers
This is the free public view
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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.