RAILWAY
Charter #60787 | ND
RAILWAY has 9 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 12.9% in tier
- + Organic Growth Engine: Top 23.1% in tier
- + Organic Growth Leader: Top 28.4% in tier
- + Relationship Depth Leader: Top 29.0% in tier
- + Wallet Share Momentum: Top 32.3% in tier
- + ROA 0.12% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 7.2% in tier
- + Average Member Relationship (AMR): Top 7.6% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 31.4% in tier
- - Share Certificate Concentration (%): Bottom 3.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,419
+0.9% YoY+0.2% QoQ
|
-7.2K |
15,628
-3.4% YoY
|
7,412
-0.5% YoY
|
33,089
+6.1% YoY
|
Bottom 19.1% in tier |
| Assets |
$194.0M
+3.4% YoY+1.3% QoQ
|
$-37.3M |
$231.3M
-0.0% YoY
|
$201.0M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
49th in tier |
| Loans |
$138.9M
+2.5% YoY+0.6% QoQ
|
$-8.9M |
$147.8M
-1.4% YoY
|
$137.9M
+2.5% YoY
|
$388.7M
+8.6% YoY
|
56th in tier |
| Deposits |
$168.0M
+2.7% YoY+1.1% QoQ
|
$-32.3M |
$200.3M
-0.0% YoY
|
$165.9M
+4.4% YoY
|
$464.6M
+9.3% YoY
|
49th in tier |
| ROA |
0.9%
+25.9% YoY-0.1% QoQ
|
+0.1% |
0.8%
+15.5% YoY
|
0.9%
-6.7% YoY
|
0.7%
+273.4% YoY
|
60th in tier |
| NIM |
3.2%
+19.3% YoY+1.5% QoQ
|
-0.4% |
3.6%
+6.9% YoY
|
3.4%
+7.4% YoY
|
3.7%
+5.0% YoY
|
26th in tier |
| Efficiency Ratio |
73.9%
-3.0% YoY+0.1% QoQ
|
-3.4% |
77.3%
-3.0% YoY
|
74.0%
-24.8% YoY
|
79.1%
-3.3% YoY
|
37th in tier |
| Delinquency Rate |
0.4%
-53.5% YoY-8.3% QoQ
|
-0.5 |
0.9%
+7.6% YoY
|
0.9%
-3.9% YoY
|
1.2%
-0.9% YoY
|
25th in tier |
| Loan To Share |
82.7%
-0.3% YoY-0.5% QoQ
|
+10.0% |
72.7%
-1.5% YoY
|
72.0%
-4.4% YoY
|
68.0%
-1.7% YoY
|
70th in tier |
| AMR |
$36,453
+1.7% YoY+0.8% QoQ
|
+$12K |
$24,363
+2.9% YoY
|
$32,427
+3.2% YoY
|
$19,418
+1.3% YoY
|
Top 7.7% in tier |
| CD Concentration |
44.3%
+0.3% YoY+0.2% QoQ
|
+19.8% |
24.4%
+4.2% YoY
|
22.4%
+2.4% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
1.1%
-2.9% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (5)
Emerging Performer
growthProfitable credit union with positive returns. May represent growth potential worth exploring.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members without relying on indirect channels. Healthy, sustainable growth model.
Relationship Depth Leader
growthAverage member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Wallet Share Momentum
growthAverage member relationship growing year-over-year. Members are deepening their engagement.
Concerns (1)
Liquidity Overhang
riskVery high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)