credit union · NCUA 68688 · AL
How big is RAILROAD?
RAILROAD (AL, NCUA charter 68688) reported total assets of $100.6M, 4,745 members and a net worth ratio of 14.40% in its Call Report for 2026Q2. That ranks 1819 of 4,299 federally insured credit unions by assets, 1060 of 1,061 among credit unions with $100m-$500m in assets, 36 of 88 credit unions in alabama.
What stands out
RAILROAD (AL, NCUA charter 68688) reported total assets of $100.6M, 4,745 members and a net worth ratio of 14.40% in its Call Report for 2026Q2. That ranks 1819 of 4,299 federally insured credit unions by assets, 1060 of 1,061 among credit unions with $100m-$500m in assets, 36 of 88 credit unions in alabama. Against its size class: net worth ratio 14.40%, above the peer median of 11.65%; loan-to-share ratio 13.03%, below the peer median of 73.15%; return on assets 0.65%, below the peer median of 0.74%. At 14.40% its net worth ratio is above the 7% NCUA threshold, which puts it in the "well capitalised" band of prompt corrective action; the regulator applies further tests, this page does not.
Key figures, 2026Q2
As filed with the NCUA; ratios computed by FACTANKER. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2026Q2 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $100.6M | $198.1M | $49.1M | $68.3M | record → |
| Shares and deposits | $86.7M | $172.3M | $42.7M | $58.3M | record → |
| Loans outstanding | $11.3M | $125.2M | $20.0M | $34.4M | record → |
| Net income (year to date) | $325.9k | $766.3k | $218.9k | $222.2k | record → |
| Net worth | $14.5M | $24.5M | $8.7M | $9.0M | record → |
| Net worth ratio | 14.40% | 11.65% | 14.15% | 12.65% | record → |
| Loan-to-share ratio | 13.03% | 73.15% | 58.66% | 68.70% | computed |
| Return on assets | 0.65% | 0.74% | 0.72% | 0.71% | computed |
| Members | 4,745 | 13,230 | 4,556 | 4,818 | record → |
Quarter by quarter
35 Call Reports on record, 2017Q4–2026Q2; the 35 most recent shown.
| Quarter | Total assets | Shares | Loans | Net income YTD | Net worth ratio | Members | Rank |
|---|---|---|---|---|---|---|---|
| 2026Q2 | $100.6M | $86.7M | $11.3M | $325.9k | 14.40% | 4,745 | 1819 |
| 2026Q1 | $100.8M | $86.8M | $11.8M | $161.6k | 14.21% | 4,750 | 1820 |
| 2025Q4 | $99.8M | $86.0M | $12.2M | $354.3k | 14.20% | 4,747 | 1823 |
| 2025Q3 | $100.9M | $87.0M | $12.5M | $328.6k | 14.01% | 4,765 | 1820 |
| 2025Q2 | $102.2M | $88.8M | $13.0M | $174.1k | 13.68% | 4,781 | 1810 |
| 2025Q1 | $101.8M | $88.5M | $13.2M | $95.8k | 13.66% | 4,820 | 1818 |
| 2024Q4 | $102.3M | $89.3M | $13.6M | $172.6k | 13.50% | 4,841 | 1803 |
| 2024Q3 | $102.6M | $89.3M | $14.0M | $233.6k | 13.52% | 4,840 | 1796 |
| 2024Q2 | $105.4M | $92.2M | $14.4M | $153.5k | 13.08% | 4,844 | 1775 |
| 2024Q1 | $103.4M | $90.7M | $14.6M | $15.6k | 13.21% | 4,835 | 1797 |
| 2023Q4 | $104.9M | $92.4M | $14.7M | $100.1k | 13.00% | 4,856 | 1774 |
| 2023Q3 | $104.8M | $92.8M | $14.6M | $148.0k | 13.06% | 4,535 | 1773 |
| 2023Q2 | $107.9M | $95.6M | $14.1M | $99.2k | 12.64% | 4,841 | 1754 |
| 2023Q1 | $108.3M | $96.0M | $13.4M | $62.0k | 12.56% | 4,829 | 1765 |
| 2022Q4 | $109.1M | $97.2M | $13.5M | $214.4k | 12.41% | 4,829 | 1752 |
| 2022Q3 | $109.6M | $98.1M | $13.0M | $259.3k | 12.39% | 4,851 | 1753 |
| 2022Q2 | $110.7M | $98.7M | $12.0M | $74.0k | 12.11% | 4,854 | 1745 |
| 2022Q1 | $112.3M | $99.7M | $11.4M | $11.6k | 11.88% | 4,864 | 1735 |
| 2021Q4 | $112.8M | $99.2M | $10.8M | $107.9k | 11.81% | 4,884 | 1718 |
| 2021Q3 | $112.5M | $98.6M | $11.0M | $198.0k | 11.93% | 4,901 | 1707 |
| 2021Q2 | $112.6M | $98.6M | $11.2M | $191.8k | 11.91% | 4,919 | 1699 |
| 2021Q1 | $113.4M | $99.5M | $11.4M | $174.4k | 11.81% | 4,936 | 1693 |
| 2020Q4 | $112.1M | $98.2M | $11.8M | $25.4k | 11.79% | 5,010 | 1650 |
| 2020Q3 | $111.0M | $97.0M | $12.0M | $72.1k | 11.94% | 5,021 | 1630 |
| 2020Q2 | $110.4M | $96.3M | $12.3M | $51.8k | 12.00% | 5,034 | 1625 |
| 2020Q1 | $108.1M | $94.5M | $12.6M | $22.7k | 12.22% | 5,054 | 1593 |
| 2019Q4 | $106.3M | $92.6M | $13.0M | $27.6k | 12.41% | 5,101 | 1584 |
| 2019Q3 | $106.7M | $93.2M | $13.3M | $102.3k | 12.43% | 5,122 | 1574 |
| 2019Q2 | $107.0M | $93.4M | $13.7M | $65.8k | 12.36% | 5,140 | 1580 |
| 2019Q1 | $106.6M | $93.4M | $13.4M | $37.8k | 12.38% | 5,131 | 1584 |
| 2018Q4 | $105.7M | $93.0M | $13.6M | $38.2k | 12.45% | 5,155 | 1569 |
| 2018Q3 | $105.6M | $93.1M | $13.4M | $208.8k | 12.62% | 5,156 | 1566 |
| 2018Q2 | $105.1M | $92.5M | $13.4M | $81.0k | 12.56% | 5,155 | 1578 |
| 2018Q1 | $106.6M | $94.2M | $13.2M | $32.0k | 12.34% | 5,193 | 1566 |
| 2017Q4 | $107.2M | $94.0M | $13.6M | $24.8k | 12.24% | 5,319 | 1537 |
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