RAILROAD
Charter #68688 · Irondale, AL · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.15% sits at the 0th percentile of structural peers — worth a closer look.
- Cost of funds of 1.81% sits at the 98th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.50% sits at the 75th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 1st percentile but its structural peers at the 80th — a 80-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 | RAILROAD | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $100.83M | 1th pct | 80th pct |
| Members | 4,750 | 3th pct | 62th pct |
| Net worth ratio | 14.21% | 81th pct | 57th pct |
| Return on average assets | 0.64% | 46th pct | 33th pct |
| Net interest margin | 2.15% | 2th pct | 0th pct |
| Cost of funds | 1.81% | 81th pct | 98th pct |
| Loan-to-share | 13.64% | 0th pct | 2th pct |
| Delinquency 60+ days | 0.11% | 8th pct | 34th pct |
| Net charge-off ratio | 0.50% | 65th pct | 75th pct |
| Loan growth YoY | -5.22% | 5th pct | 43th pct |
| Share growth YoY | -0.24% | 8th pct | 13th pct |
| Efficiency ratio | 67.85% | 21th pct | 26th pct |
structural peer set hash: a4df66162b0322ab0c4691ec679b5ab3… (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.