State credit union · Irondale, Alabama · NCUA charter #68688
Railroad
Health score 78/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $99.8M
- Total assets
- 4,747
- Members
- 14.2%
- Net-worth ratio
Railroad - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #68688: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Railroad - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)67
- Member growth37
- Liquidity (loan-to-share)49
Weighted composite: 78/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
14.20% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 14.20% | 30% |
| Delinquency Rate | 0.12% | 25% |
| Return on Assets | 0.17% | 15% |
| Member Growth | -1.94% | 15% |
| Loan-to-Share Ratio | 14.18% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $99.8M | 4,747 |
| 2024Q4 | $102.3M | 4,841 |
| 2023Q4 | $104.9M | 4,856 |
Credit Union Details
- Charter Number
- 68688
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Alabama
- City
- Irondale
- Data Quarter
- 2025Q4
What This Data Says About Railroad
4,747 members and $99.8M in total assets sit behind Railroad, a state credit union in Irondale, Alabama, which posts a health score of 78/100 (Very Good) on the five-factor composite, with $12.2M in outstanding loans as of Q4 2025 and a net worth ratio of 14.20% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #68688 in peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 0.12% measures loans 60+ days past due against total loans outstanding - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers. The loan-to-share ratio of 14.18% indicates how aggressively member deposits are being deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.17% on net income of $173K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -1.94%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Alabama
Other federally-insured credit unions in Alabama, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Railroad financially healthy?
Yes/no aside, the number is 78/100 (Very Good) - Railroad's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 14.20% net worth ratio and 0.12% delinquency rate are the key drivers.
How does Railroad compare to other credit unions?
Five weighted metrics from NCUA filings produce Railroad's 78/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Railroad?
Membership eligibility for Railroad depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Railroad directly for current membership requirements and application steps.
Is my money safe at Railroad?
Federal credit unions like Railroad are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Railroad's net worth ratio of 14.20% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Railroad offer compared to banks?
Credit unions like Railroad are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Railroad directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.