BlastPoint's Credit Union Scorecard
RAILWAY EMPLOYEES
Charter #61474 · AL
RAILWAY EMPLOYEES has 4 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.31% above tier average
- + AMR Growth Rate: Top 6.4% in tier
- + Asset Growth Rate: Top 6.4% in tier
- + Deposit Growth Rate: Top 7.0% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.1% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,366
-2.1% YoY-0.4% QoQ
|
-1.2K |
2,615
-1.9% YoY
|
27,849
-7.3% YoY
|
33,374
+5.7% YoY
|
37% |
| Assets |
$20.1M
+11.6% YoY+2.1% QoQ
|
$-10.0M |
$30.1M
+2.1% YoY
|
$442.6M
+8.5% YoY
|
$561.6M
+9.7% YoY
|
48% |
| Loans |
$5.9M
+6.2% YoY-2.1% QoQ
|
$-9.8M |
$15.8M
-1.3% YoY
|
$260.4M
+7.2% YoY
|
$397.0M
+8.8% YoY
|
38% |
| Deposits |
$15.8M
+11.9% YoY+2.0% QoQ
|
$-9.9M |
$25.7M
+1.4% YoY
|
$387.0M
+6.9% YoY
|
$477.3M
+9.7% YoY
|
46% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.9%
+15.9% YoY+55.1% QoQ
|
+0.3% |
0.6%
+10.8% YoY
|
0.7%
+32.7% YoY
|
0.7%
+15.9% YoY
|
62% |
| NIM |
3.4%
+1.2% YoY-0.8% QoQ
|
-0.5% |
4.0%
+4.0% YoY
|
3.7%
+4.6% YoY
|
3.8%
+5.1% YoY
|
32% |
| Efficiency Ratio |
75.3%
-4.4% YoY-10.6% QoQ
|
-7.3% |
82.6%
-2.3% YoY
|
78.3%
-5.6% YoY
|
79.7%
-3.3% YoY
|
38% |
| Delinquency Rate |
0.4%
-82.5% YoY-51.2% QoQ
|
-1.2 |
1.6%
-3.1% YoY
|
1.7%
+25.2% YoY
|
1.3%
-2.1% YoY
|
35% |
| Loan To Share |
37.4%
-5.0% YoY-4.0% QoQ
|
-23.2% |
60.6%
-3.1% YoY
|
60.7%
-1.8% YoY
|
67.4%
-1.7% YoY
|
17% |
| AMR |
$15,921
+12.6% YoY+1.3% QoQ
|
+$1K |
$14,783
-1.4% YoY
|
$17,441
+4.4% YoY
|
$19,687
+2.0% YoY
|
61% |
| CD Concentration |
15.6%
+69.1% YoY+8.9% QoQ
|
-8.8% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.2% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)