EAST ALABAMA COMMUNITY vs RAILWAY EMPLOYEES
Side-by-side comparison based on NCUA quarterly call report data.
Financial Metrics Comparison
| Metric | EAST ALABAMA COMMUNITY | RAILWAY EMPLOYEES |
|---|---|---|
| Health Score 0–100, higher is better | 68 | 68 |
| Total Assets | $20.1M | $20.1M |
| Members | 3,001 | 1,366 |
| Net Worth Ratio Higher = better capitalized (≥7% = "well capitalized") | 14.49% | 19.92% |
| Delinquency Rate Lower = fewer past-due loans | 0.20% | 0.39% |
| Return on Assets (ROA) Higher = more profitable | 0.000% | 0.000% |
| Loan-to-Share Ratio Higher = more loans deployed vs deposits | 32.93% | 37.43% |
| Member Growth Year-over-year membership change | -2.0% | -2.1% |
Teal/bold = better performer on that metric. Financial ratios from most recently reported NCUA quarter.
Membership & Structure
| Detail | EAST ALABAMA COMMUNITY | RAILWAY EMPLOYEES |
|---|---|---|
| Location | OPELIKA, AL | Muscle Shoals, AL |
| Charter Type | Federal | State |
| Field of Membership | Community | Other |
| Peer Group | $10M–$50M | $10M–$50M |
| Charter Number | 12383 | 61474 |
What This Comparison Says About EAST ALABAMA COMMUNITY vs RAILWAY EMPLOYEES
EAST ALABAMA COMMUNITY (OPELIKA, AL) and RAILWAY EMPLOYEES (Muscle Shoals, AL) are both federally-insured credit unions reporting quarterly to the NCUA, but they differ meaningfully in scale and profile. EAST ALABAMA COMMUNITY holds $20.1M in assets across 3,001 members, while RAILWAY EMPLOYEES holds $20.1M across 1,366 members. Both institutions post health scores of 68/100 and 68/100, a narrow spread that suggests similar overall financial profiles despite differences in size. Charter numbers 12383 and 61474 indicate entirely separate NCUA supervisory records; they operate under peer groups $10M–$50M and $10M–$50M respectively.
Capital adequacy is the first check: EAST ALABAMA COMMUNITY's net worth ratio of 14.49% clears the NCUA's 7.0% "well capitalized" bar, while RAILWAY EMPLOYEES posts 19.92%. Loan quality — measured as loans 60+ days past due over total loans — comes in at 0.20% for EAST ALABAMA COMMUNITY and 0.39% for RAILWAY EMPLOYEES; lower is tighter. Earnings efficiency (ROA) shows 0.000% versus 0.000%, though credit unions as not-for-profit cooperatives often report ROA near zero by design, returning surplus to members through rates and dividends. Loan-to-share ratios of 32.93% and 37.43% indicate how each institution deploys member deposits — the 60–80% band is generally considered the balanced-liquidity window by industry analysts.
Both credit unions are covered by NCUSIF federal insurance up to $250,000 per depositor per ownership category, the same limit as FDIC coverage at banks — so the comparison here is about financial efficiency and member experience, not deposit safety. Before joining either institution, verify the field of membership: EAST ALABAMA COMMUNITY is currently defined as "Community" and RAILWAY EMPLOYEES as "Other", and eligibility rules (employer, geography, association) determine who can actually open accounts. Current deposit rates, loan APRs, fees, and product availability change continuously and are not reflected in quarterly Call Report data — contact each credit union directly before opening accounts or borrowing. This comparison is informational only and is not financial advice, an endorsement, or a solicitation; credit union performance can shift materially quarter to quarter and should be re-evaluated with current reports before making any decision.
What to Consider When Choosing
Net Worth Ratio: The NCUA requires credit unions to maintain a net worth ratio of at least 7% to be considered "well capitalized." EAST ALABAMA COMMUNITY shows 14.49% vs RAILWAY EMPLOYEES at 19.92%. Higher ratios indicate stronger financial buffers.
Delinquency Rate: Measures the percentage of loans that are 60+ days past due. Lower delinquency rates indicate tighter underwriting and lower credit risk. EAST ALABAMA COMMUNITY: 0.20% — RAILWAY EMPLOYEES: 0.39%.
Return on Assets: ROA measures how efficiently a credit union generates income from its assets. Industry benchmark is typically 0.50–0.70%. Both values here may be close to zero since credit unions are not-for-profit and return value to members through lower rates and higher dividends.
Membership eligibility: Check each credit union's field of membership before applying. Many restrict membership by employer, geography, or community affiliation.