BlastPoint's Credit Union Scorecard

RAILROAD

Charter #68688 · AL

100M-500M

1024 CUs in 100M-500M nationally 21 in AL

RAILROAD has 3 strengths but faces 8 concerns

National Analysis

How does the industry compare?

AL Analysis

How does AL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ First Mortgage Concentration (%): Top 1.1% in tier
+ Total Delinquency Rate (60+ days): Top 4.0% in tier
+ Members Per Employee (MPE): Top 4.0% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 50.0% in tier
- Accelerating Exit Risk: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Deposit Outflow: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- ROA 0.22% below tier average
- Total Loans: Bottom 0.1% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 21 that size in Alabama.
Shares and deposits -2.3% year over year ($86.7M in shares and deposits).
Membership: 4,745 members, -0.8% vs a year ago.
Delinquency rate 0.07%.
Return on assets 0.65%.
Efficiency ratio 67.95% vs a 76.73% peer average.
Loan-to-share ratio 13.03% vs a 71.54% 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	4,745 -0.8% YoY-0.1% QoQ	-10.4K	15,168 -2.6% YoY	28,281 -1.7% YoY	34,678 +6.6% YoY	Bottom 2.8% in tier
Assets	$100.6M -1.6% YoY-0.2% QoQ	$-131.4M	$232.0M +0.7% YoY	$459.0M +7.0% YoY	$593.1M +10.2% YoY	Bottom 0.1% in tier
Loans	$11.3M -12.8% YoY-4.6% QoQ	$-135.0M	$146.3M +0.2% YoY	$266.3M +5.7% YoY	$418.6M +10.1% YoY	Bottom 0.1% in tier
Deposits	$86.7M -2.3% YoY-0.1% QoQ	$-114.0M	$200.7M +0.2% YoY	$400.1M +6.1% YoY	$504.8M +10.3% YoY	Bottom 1.6% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.6% +89.5% YoY+0.9% QoQ	-0.2%	0.9% +12.5% YoY	1.1% +39.6% YoY	1.2% +121.4% YoY	40%
NIM	2.2% +40.1% YoY+0.8% QoQ	-1.5%	3.7% +4.5% YoY	3.7% +1.1% YoY	3.8% +2.3% YoY	Bottom 1.5% in tier
Efficiency Ratio	68.0% -12.3% YoY+0.2% QoQ	-8.8%	76.7% -0.8% YoY	82.1% +5.7% YoY	83.0% -5.3% YoY	21%
Delinquency Rate	0.1% -62.4% YoY-36.8% QoQ	-0.8	0.9% +6.6% YoY	1.4% -5.8% YoY	1.3% +2.6% YoY	Top 4.0% in tier
Loan To Share	13.0% -10.7% YoY-4.5% QoQ	-58.5%	71.5% -0.3% YoY	59.3% -1.7% YoY	66.4% -1.4% YoY	Bottom 0.1% in tier
AMR	$20,650 -2.9% YoY-0.6% QoQ	$-4K	$25,107 +3.2% YoY	$17,701 +4.0% YoY	$20,028 -0.9% YoY	36%
CD Concentration	33.8% +2.6% YoY+1.3% QoQ	+9.3%	24.6%	21.8%	20.0%	50%
Indirect Auto %	0.0%	-13.6%	13.6%	5.2%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Shrinking Wallet Share

decline

#95 of 223 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -2.94%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

223 of 1024 Mid-Small & Community CUs have this signature | 308 nationally

↓ Shrinking -61 CUs YoY | Rank improving

Accelerating Exit Risk

decline

#32 of 46 • Bottom 50.0% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature

Member Growth (YoY): -0.75%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

AMR Growth (YoY): -2.94%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

46 of 1024 Mid-Small & Community CUs have this signature | 53 nationally

↓ Shrinking -16 CUs YoY

Stagnation Risk

risk

#385 of 549 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.75%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -12.80%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 0.07%

(Tier: 0.87%, National: 1.26%)

but better than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Institutional Decline

decline

#200 of 230 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $100.60M

(Tier: $336.17M, National: $593.11M)

worse than tier avg

Member Growth (YoY): -0.75%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -12.80%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

230 of 1024 Mid-Small & Community CUs have this signature | 261 nationally

↓ Shrinking -49 CUs YoY | Rank improving

Deposit Outflow

decline

#74 of 84 • Bottom 50.0% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -2.34%

(Tier: 4.24%, National: 100.69%)

worse than tier avg

Member Growth (YoY): -0.75%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

84 of 1024 Mid-Small & Community CUs have this signature | 109 nationally

↓ Shrinking -9 CUs YoY | New qualifier

Membership Headwinds

decline

#497 of 549 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -0.75%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 1024 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.15%

#1 of 1024 Top 0.1% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.08%

Peer Median: 29.92%

#12 of 1024 Top 1.1% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.07%

Peer Median: 0.71%

#42 of 1024 Top 4.0% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 527.222

Peer Median: 310.924

#42 of 1024 Top 4.0% in 100M-500M tier

212

Net Worth Ratio

risk

Value: 14.40%

Peer Median: 11.71%

#212 of 1024 Top 20.6% in 100M-500M tier

220

Efficiency Ratio

profitability

Value: 67.95%

Peer Median: 77.26%

#220 of 1024 Top 21.4% in 100M-500M tier

Top Weaknesses (14 metrics)

1024

Total Loans

balance_sheet

Value: $11.29M

Peer Median: $124.04M

#1024 of 1024 Bottom 0.1% in 100M-500M tier

1024

Loan-to-Share Ratio

balance_sheet

Value: 13.03%

Peer Median: 73.07%

#1024 of 1024 Bottom 0.1% in 100M-500M tier

1023

Total Assets

balance_sheet

Value: $100.60M

Peer Median: $196.38M

#1023 of 1024 Bottom 0.2% in 100M-500M tier

1020

Loan-to-Member Ratio (LMR)

engagement

Value: $2,380

Peer Median: $9,434

#1020 of 1024 Bottom 0.5% in 100M-500M tier

1013

Fee Income Per Member

profitability

Value: $22.90

Peer Median: $159.88

#1013 of 1024 Bottom 1.2% in 100M-500M tier

1012

Loan Growth Rate

growth

Value: -12.80%

Peer Median: 3.02%

#1012 of 1024 Bottom 1.3% in 100M-500M tier

1009

Net Interest Margin (NIM)

profitability

Value: 2.15%

Peer Median: 3.67%

#1009 of 1024 Bottom 1.6% in 100M-500M tier

1008

Total Deposits

balance_sheet

Value: $86.69M

Peer Median: $170.77M

#1008 of 1024 Bottom 1.7% in 100M-500M tier

995

Total Members

engagement

Value: 4,745

Peer Median: 13,128

#995 of 1024 Bottom 2.9% in 100M-500M tier

948

AMR Growth Rate

growth

Value: -2.94%

Peer Median: 3.53%

#948 of 1024 Bottom 7.5% in 100M-500M tier