State credit union · Belen, New Mexico · NCUA charter #62841
Railroad Employees
Health score 100/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 100
- Health / 100
- $75.4M
- Total assets
- 3,631
- Members
- 10.6%
- Net-worth ratio
Railroad Employees scores 100/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $75.4M; members 3,631; net-worth ratio 10.62%; health rank #30 of 4,374; healthier than 99th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#30 of 4,374 health · 2025Q4Railroad Employees · health 100/100 · $75.4M · 2025Q4
- PHOTO 100/100
- BOOK 10.6%
- CHARTER 0.53%
- NCUSIF 0.75%
- CAMELS $75.4M
- HEALTH 3,631
- NW #30/4,374
- DELQ FREESTONE
- ROA 62841
Call Report peers
Railroad Employees in the assets neighbourhood
Railroad Employees's $75.4M assets sit next to FREESTONE ($75.4M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Railroad Employees vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
100 Top 1% higher than 99% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Railroad Employees - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #62841 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Peer-gap read for Railroad Employees
- Loan-to-Share Ratio leads the peer set - 71.35% here, 62.60% peer average (+8.75 pp).
- Net Worth Ratio trails the peer set - 10.62% here, 13.62% peer average (-3.00 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
New Mexico standing for Railroad Employees
- In New Mexico, health place is #2 of 37 on the same NCUA-ratio sort used nationally.
- By total assets, Railroad Employees is #17 of 37 in New Mexico.
- New Mexico membership ordinal: #22 of 37.
In-state ordinals use the live credit_unions table for NM only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Railroad Employees
Railroad Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +5.4% from $75.4M (2025Q4) to $79.5M (2026Q1).
- Net-worth ratio shifted -0.21 pp (10.83% → 10.62%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 10.62%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 100/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 100.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.7 pts
- Return on Assets 15.0 pts
- Member Growth 14.9 pts
- Loan-to-Share Ratio 15.4 pts
Call Report ratios for Railroad Employees
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.62% | -3.00 pp |
| Delinquency Rate | 0.53% | -0.43 pp |
| Return on Assets | 0.75% | +0.09 pp |
| Member Growth | 4.94% | - |
| Loan-to-Share Ratio | 71.35% | +8.75 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Railroad Employees quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $79.5M | - |
| 2025Q4 | $75.4M | 3,631 |
| 2024Q4 | $73.1M | 3,460 |
| 2023Q4 | $63.7M | 3,218 |
Credit Union Details
- Charter Number
- 62841
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- New Mexico
- City
- Belen
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Railroad Employees runs one office.
| Office | City |
|---|---|
| Belen Railway Employees Credit Union (Main Office) | Belen, NM |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New Mexico
More federally-insured credit unions based in New Mexico, ordered by peer group match and asset size.
Railroad Employees nationwide neighbourhoods
Railroad Employees's nationwide photo peers by assets and by health score, excluding New Mexico charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($75.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (100/100 here).
Using this data
- Railroad Employees ranks #30 of 4,374 nationally on financial health and #2 of 37 in NM -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- LOCO is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with LOCO
- Rates and health both vary by institution, not just by state -- see how New Mexico credit unions compare overall before assuming this one is typical. New Mexico state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Railroad Employees financially healthy?
A 10.62% net worth ratio and a 0.53% delinquency rate feed into Railroad Employees's financial health score of 100/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #30 of 4,374; by total assets it ranks #2,066 of 4,374 nationally (same basis as /rankings/largest); and #17 of 37 within New Mexico. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Railroad Employees compare to other credit unions?
PlainCU's health composite puts Railroad Employees at 100/100, compared to a peer group average for $50M–$100M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 Employees?
Membership eligibility for Railroad Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Railroad Employees directly for current membership requirements and application steps.
Is my money safe at Railroad Employees?
Federal credit unions like Railroad Employees 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 Employees's net worth ratio of 10.62% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Railroad Employees offer compared to banks?
Credit unions like Railroad Employees 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 Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
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.