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Railroad
Irondale, AL · NCUA Charter #68688 · State charter, federally insured · Chartered 1956
Total assets
$100.60M
Shares & deposits
$86.69M
Total loans
$11.29M
Members
4,745
Net worth
$14.49M
Branches
1
Rank: #1,819 of 4,299 U.S. credit unions by assets · #36 of 88 in Alabama. Assets changed -1.6% and membership -0.8% over the year to June 30, 2026.
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Key ratios
| Net worth ratio (capital) | 14.40% |
| Return on assets (annualized, approx.) | 0.00% |
| Loans to shares & deposits | 13.0% |
| Net income (YTD) | $0 |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $110.68M | $98.67M | $0 | $13.40M |
| Jun 2023 | $107.95M | $95.59M | $0 | $13.64M |
| Jun 2024 | $105.44M | $92.20M | $0 | $13.79M |
| Jun 2025 | $102.21M | $88.77M | $0 | $13.98M |
| Jun 2026 | $100.60M | $86.69M | $0 | $14.49M |
Branch footprint
| State | Branches |
|---|---|
| Alabama | 1 |
Similar-sized credit unions
Gardiner ($100.71M) · Healthcare First Credit Union ($100.60M)
Source: NCUA Call Report (Form 5300) as of June 30, 2026. Credit unions are member-owned cooperatives; deposits are insured by the NCUSIF. See methodology.
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