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Railway Employees
Muscle Shoals, AL · NCUA Charter #61474 · State charter, federally insured · Chartered 1935
Total assets
$21.07M
Shares & deposits
$16.69M
Total loans
$5.61M
Members
1,360
Net worth
$4.64M
Branches
2
Rank: #3,089 of 4,299 U.S. credit unions by assets · #61 of 88 in Alabama. Assets changed 9.4% and membership -1.7% over the year to June 30, 2026.
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Key ratios
| Net worth ratio (capital) | 22.01% |
| Return on assets (annualized, approx.) | 0.00% |
| Delinquent loans, 2+ months (share of loans) | 0.34% |
| Loans to shares & deposits | 33.6% |
| Net income (YTD) | $0 |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $18.99M | $15.37M | $0 | $4.07M |
| Jun 2023 | $18.53M | $14.98M | $0 | $4.17M |
| Jun 2024 | $17.69M | $13.91M | $0 | $4.28M |
| Jun 2025 | $19.26M | $15.22M | $0 | $4.44M |
| Jun 2026 | $21.07M | $16.69M | $0 | $4.64M |
Branch footprint
| State | Branches |
|---|---|
| Alabama | 1 |
| New Jersey | 1 |
Similar-sized credit unions
Le Roy ($21.07M) · Odessa Employees ($20.97M)
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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