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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#382 of 4,374 health · 2025Q4RAILWAY · health 95/100 · $199.4M · 2025Q4
- BOOK 95/100
- CHARTER 12.1%
- NCUSIF 0.52%
- CAMELS 0.67%
- HEALTH $199.4M
- NW 8,449
- DELQ #382/4,374
- ROA Members First
- ASSETS 60787
Call Report peers
RAILWAY in the assets neighbourhood
RAILWAY's $199.4M assets sit next to Members First ($199.7M) 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.
RAILWAY 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
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
RAILWAY - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #60787 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for ND only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
RAILWAY: 2025Q4 → 2026Q1
RAILWAY: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.0% from $199.4M (2025Q4) to $207.3M (2026Q1).
- Net-worth ratio shifted -0.27 pp (12.39% → 12.12%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 95.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Cross-state asset and health neighbours for RAILWAY - kept outside North Dakota; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($199.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (95/100 here).
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
- Rates and health both vary by institution, not just by state -- see how North Dakota credit unions compare overall before assuming this one is typical. North Dakota 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 RAILWAY financially healthy?
RAILWAY scores 95/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #382 of 4,374; by total assets it ranks #1,282 of 4,374 nationally (same basis as /rankings/largest); and #8 of 29 within North Dakota. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 12.12% net worth ratio and a 0.52% delinquency rate.
How does RAILWAY compare to other credit unions?
95/100 is RAILWAY's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 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?
Federal credit unions like RAILWAY 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. RAILWAY's net worth ratio of 12.12% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does RAILWAY offer compared to banks?
Credit unions like RAILWAY 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 RAILWAY 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.