Headquartered in Irondale, Alabama, Railroad Credit Union is a federally insured state-chartered credit union with $100.6M in total assets and $86.7M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1956.
Based on its Q2 2026 filing, Railroad Credit Union scores 87/100, which we describe as very strong. That is higher than 91% of 1,341 credit unions with $100 million – $1 billion. Among 88 credit unions headquartered in Alabama, it ranks 17th. Its strongest component is funding & liquidity (100/100; 13% loans-to-deposits, 2% uninsured), and its lowest is earnings (46/100; 0.65%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 6 points (81 → 87), mostly because the earnings component improved by 12 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 77 |
| Q3 2024 | 79 |
| Q4 2024 | 78 |
| Q1 2025 | 83 |
| Q2 2025 | 81 |
| Q3 2025 | 83 |
| Q4 2025 | 83 |
| Q1 2026 | 86 |
| Q2 2026 | 87 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 13.08% |
| Q3 2024 | 13.52% |
| Q4 2024 | 13.50% |
| Q1 2025 | 13.66% |
| Q2 2025 | 13.68% |
| Q3 2025 | 14.01% |
| Q4 2025 | 14.20% |
| Q1 2026 | 14.21% |
| Q2 2026 | 14.40% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.38% |
| Q3 2024 | 0.40% |
| Q4 2024 | 0.34% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.19% |
| Q3 2025 | 0.17% |
| Q4 2025 | 0.12% |
| Q1 2026 | 0.11% |
| Q2 2026 | 0.07% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.29% |
| Q3 2024 | 0.30% |
| Q4 2024 | 0.17% |
| Q1 2025 | 0.38% |
| Q2 2025 | 0.34% |
| Q3 2025 | 0.43% |
| Q4 2025 | 0.36% |
| Q1 2026 | 0.64% |
| Q2 2026 | 0.65% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 87 | $100.6M | 14.40% | 0.07% | 0.65% | 13.0% |
| Q1 2026 | 86 | $100.8M | 14.21% | 0.11% | 0.64% | 13.6% |
| Q4 2025 | 83 | $99.8M | 14.20% | 0.12% | 0.36% | 14.2% |
| Q3 2025 | 83 | $100.9M | 14.01% | 0.17% | 0.43% | 14.4% |
| Q2 2025 | 81 | $102.2M | 13.68% | 0.19% | 0.34% | 14.6% |
| Q1 2025 | 83 | $101.8M | 13.66% | 0.00% | 0.38% | 14.9% |
| Q4 2024 | 78 | $102.3M | 13.50% | 0.34% | 0.17% | 15.2% |
| Q3 2024 | 79 | $102.6M | 13.52% | 0.40% | 0.30% | 15.6% |
| Q2 2024 | 77 | $105.4M | 13.08% | 0.38% | 0.29% | 15.6% |
1,341 peers · $100 million – $1 billion
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Alabama
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Four Seasons Federal Credit UnionCredit union Opelika, AL | 58 out of 100, Moderate | $103.7M | 8.6% | 1.53% | vs |
| Valley Credit UnionCredit union Tuscumbia, AL | 84 out of 100, Strong | $112.9M | 14.0% | 0.20% | vs |
| Mobile Educators Credit UnionCredit union Mobile, AL | 84 out of 100, Strong | $113.2M | 13.2% | 0.74% | vs |
| North Alabama Educators Credit UnionCredit union Huntsville, AL | 62 out of 100, Moderate | $142.9M | 8.0% | 0.72% | vs |
| Heritage South Credit UnionCredit union Sylacauga, AL | 63 out of 100, Moderate | $183.7M | 10.2% | 0.88% | vs |
| Riverfall Credit UnionCredit union Tuscaloosa, AL | 60 out of 100, Moderate | $193.9M | 11.9% | 1.93% | vs |
Deposit insurance
Is my money safe at Railroad Credit Union?
Yes. Railroad Credit Union is a federally insured credit union (NCUA charter #68688). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 2.1% of shares and deposits ($1.8M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.
The net worth ratio is 14.40%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Railroad Credit Union lists 1 office in 1 city. Most locations:
- Irondale, AL (1)
Identity & history
Profile
- Legal name
- Railroad Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 68688
- RSSD ID
- 677989
- Primary regulator
- State + NCUA
- Established
- 1956
- Headquarters
- P O Box 100185, Irondale, AL 35210
- Employees
- 9
Quick answers
Railroad Credit Union: common questions
Is Railroad Credit Union NCUA insured?
Yes. Railroad Credit Union is a federally insured credit union (NCUA charter #68688). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Railroad Credit Union's TellerScore?
87 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Railroad Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Irondale
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Omaha Public Power Dist Emp Federal Credit UnionCredit union Omaha, NE | 98 out of 100, Very strong | $34.8M | 25.2% | 0.00% | vs |
| Alabama Postal Credit UnionCredit union Birmingham, AL | 96 out of 100, Very strong | $6.4M | 44.5% | 0.28% | vs |
| Rocket City Federal Credit UnionCredit union Huntsville, AL | 94 out of 100, Very strong | $69.1M | 17.3% | 0.17% | vs |
| Acipco Federal Credit UnionCredit union Birmingham, AL | 94 out of 100, Very strong | $221.5M | 14.4% | 0.21% | vs |
| Aod Federal Credit UnionCredit union Bynum, AL | 89 out of 100, Very strong | $466.7M | 16.4% | 0.53% | vs |
| Coosa Pines Federal Credit UnionCredit union Childersburg, AL | 88 out of 100, Very strong | $420.8M | 16.2% | 0.87% | vs |