BlastPoint's Credit Union Scorecard
RAILWAY EMPLOYEES
Charter #61474 · AL
RAILWAY EMPLOYEES has 2 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Asset Growth Rate: Top 8.2% in tier
- + Deposit Growth Rate: Top 8.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.71% below tier average
- - First Mortgage Concentration (%): Bottom 9.1% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 52 that size in Alabama.
- Shares and deposits +9.6% year over year ($16.7M in shares and deposits).
- Membership: 1,360 members, -1.7% vs a year ago.
- Delinquency rate 0.97%.
- Return on assets 0.78%.
- Efficiency ratio 78.69% vs a 88.77% peer average.
- Loan-to-share ratio 33.63% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,360
-1.7% YoY+0.1% QoQ
|
-1.2K |
2,585
-1.7% YoY
|
28,281
-1.7% YoY
|
34,678
+6.6% YoY
|
37% |
| Assets |
$21.1M
+9.4% YoY+0.4% QoQ
|
$-9.2M |
$30.3M
+1.5% YoY
|
$459.0M
+7.0% YoY
|
$593.1M
+10.2% YoY
|
49% |
| Loans |
$5.6M
-5.0% YoY-4.8% QoQ
|
$-9.8M |
$15.5M
-1.7% YoY
|
$266.3M
+5.7% YoY
|
$418.6M
+10.1% YoY
|
37% |
| Deposits |
$16.7M
+9.6% YoY+0.6% QoQ
|
$-9.1M |
$25.8M
+1.1% YoY
|
$400.1M
+6.1% YoY
|
$504.8M
+10.3% YoY
|
47% |
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| ROA |
0.8%
+2.1% YoY-14.2% QoQ
|
-0.7% |
1.5%
+241.5% YoY
|
1.1%
+39.6% YoY
|
1.2%
+121.4% YoY
|
48% |
| NIM |
3.4%
-6.0% YoY-2.6% QoQ
|
-0.5% |
3.9%
+0.9% YoY
|
3.7%
+1.1% YoY
|
3.8%
+2.3% YoY
|
30% |
| Efficiency Ratio |
78.7%
-2.3% YoY+3.9% QoQ
|
-10.1% |
88.8%
-6.9% YoY
|
82.1%
+5.7% YoY
|
83.0%
-5.3% YoY
|
45% |
| Delinquency Rate |
1.0%
-4.9% YoY+84.8% QoQ
|
-0.6 |
1.5%
+2.1% YoY
|
1.4%
-5.8% YoY
|
1.3%
+2.6% YoY
|
60% |
| Loan To Share |
33.6%
-13.3% YoY-5.3% QoQ
|
-25.3% |
58.9%
-3.1% YoY
|
59.3%
-1.7% YoY
|
66.4%
-1.4% YoY
|
Bottom 14.9% in tier |
| AMR |
$16,394
+7.4% YoY-1.0% QoQ
|
+$1K |
$14,963
-6.8% YoY
|
$17,701
+4.0% YoY
|
$20,028
-0.9% YoY
|
62% |
| CD Concentration |
19.0%
+70.6% YoY+3.2% QoQ
|
-5.5% | 24.6% | 21.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 5.2% | 7.7% | 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)