State credit union · MANDAN, North Dakota · NCUA charter #60787
RAILWAY
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $199.4M
- Total assets
- 8,449
- Members
- 12.1%
- Net-worth ratio
RAILWAY scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $199.4M; members 8,449; net-worth ratio 12.12%; health rank #382 of 4,374; healthier than 90th of scored peers.
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NCUA 5300 Call Report Masthead
#382 of 4,374 health · 2025Q4RAILWAY · health 95/100 · $199.4M · 2025Q4
Call Report peers
RAILWAY in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
RAILWAY vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); RAILWAY sits in 95-99 with 391 others.
95 Top 10% higher than 90% 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
Where RAILWAY diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +10.73 pp (82.93% vs 72.20%).
Where RAILWAY sits in North Dakota
- North Dakota health ordinal: #2 of 29.
- Assets rank #8 of 29 inside North Dakota ($199.4M reported).
- Member book place in North Dakota: #6 of 29.
- One place up in North Dakota, UNIVERSITY (#1) scores 96/100, 1 point higher; one place down, Town and Country (#3) scores 92/100, 3 points lower.
RAILWAY: 2025Q4 → 2026Q1
RAILWAY: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.0% from $199.4M (2025Q4) to $207.3M (2026Q1).
- Net-worth ratio shifted -0.27 pp (12.39% → 12.12%).
At 12.12%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 95/100 score is built
RAILWAY gives up 5 points in total. Member Growth costs the most, 5.1 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.8 pts
- Return on Assets 15.0 pts
- Member Growth 9.9 pts
- Loan-to-Share Ratio 15.3 pts
Call Report ratios for RAILWAY
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.12% | +0.01 pp |
| Delinquency Rate | 0.52% | -0.38 pp |
| Return on Assets | 0.67% | +0.05 pp |
| Member Growth | 0.72% | - |
| Loan-to-Share Ratio | 82.93% | +10.73 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - RAILWAY
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $207.3M | - |
| 2025Q4 | $199.4M | 8,449 |
| 2024Q4 | $188.4M | 8,389 |
| 2023Q4 | $174.5M | 8,121 |
Credit Union Details
- Charter Number
- 60787
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- North Dakota
- City
- MANDAN
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, RAILWAY runs 3 offices in 2 different cities.
| Office | City |
|---|---|
| Railway Credit Union (Main Office) | Mandan, ND |
| Railway Credit Union | Bismarck, ND |
| Railway Credit Union | Mandan, ND |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in North Dakota
A look at other North Dakota credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near RAILWAY
Similar total assets
Similar health score
Using this data
- RAILWAY ranks #382 of 4,374 nationally on financial health and #2 of 29 in ND -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- HOMETOWN is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with HOMETOWN
Frequently Asked Questions
Is RAILWAY financially healthy?
On its 2025Q4 NCUA 5300 filing, RAILWAY scores 95/100 (Excellent), with a 12.12% net worth ratio and 0.52% of loans delinquent. It ranks #382 of 4,374 nationally on health and #2 of 29 in North Dakota.
How does RAILWAY compare to other credit unions?
RAILWAY scores 95/100, higher than 90% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (82.93% vs 72.20%).
How can I join RAILWAY?
Membership eligibility for RAILWAY depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact RAILWAY directly for current membership requirements and application steps.
Is my money safe at RAILWAY?
RAILWAY is a state-chartered credit union; its shares are federally 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. RAILWAY's net worth ratio of 12.12% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.