RAILROAD EMPLOYEES
Charter #62841 · Belen, NM · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 3,660 sits at the 11th percentile of structural peers — worth a closer look.
- Return on average assets of 1.43% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.51% sits at the 21st percentile of structural peers — worth a closer look.
- Cost of funds of 2.32% sits at the 89th percentile of structural peers — worth a closer look.
- Efficiency ratio of 58.63% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
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 | RAILROAD EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $79.46M | 67th pct | 57th pct |
| Members | 3,660 | 22th pct | 11th pct |
| Net worth ratio | 10.62% | 27th pct | 33th pct |
| Return on average assets | 1.43% | 83th pct | 79th pct |
| Net interest margin | 3.51% | 39th pct | 21th pct |
| Cost of funds | 2.32% | 95th pct | 89th pct |
| Loan-to-share | 68.57% | 64th pct | 46th pct |
| Delinquency 60+ days | 0.72% | 56th pct | 54th pct |
| Net charge-off ratio | 0.49% | 71th pct | 62th pct |
| Loan growth YoY | 0.69% | 69th pct | 59th pct |
| Share growth YoY | 5.98% | 81th pct | 64th pct |
| Efficiency ratio | 58.63% | 9th pct | 8th pct |
structural peer set hash: 5a3b373e45dfe1e0c99a380756f44fb2… (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.