BlastPoint's Credit Union Scorecard
RAILROAD
Charter #68688 · AL
RAILROAD has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Assets: Top 0.2% in tier
- + Total Deposits: Top 0.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.27% below tier average
- - Net Interest Margin (NIM): Bottom 2.3% in tier
- - Loan-to-Share Ratio: Bottom 2.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,747
-1.9% YoY-0.4% QoQ
|
+2.1K |
2,615
-1.9% YoY
|
27,849
-7.3% YoY
|
33,374
+5.7% YoY
|
84% |
| Assets |
$99.8M
-2.5% YoY-1.2% QoQ
|
+$69.6M |
$30.1M
+2.1% YoY
|
$442.6M
+8.5% YoY
|
$561.6M
+9.7% YoY
|
Top 0.2% in tier |
| Loans |
$12.2M
-10.4% YoY-2.5% QoQ
|
$-3.6M |
$15.8M
-1.3% YoY
|
$260.4M
+7.2% YoY
|
$397.0M
+8.8% YoY
|
56% |
| Deposits |
$86.0M
-3.8% YoY-1.2% QoQ
|
+$60.3M |
$25.7M
+1.4% YoY
|
$387.0M
+6.9% YoY
|
$477.3M
+9.7% YoY
|
Top 0.9% in tier |
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| ROA |
0.4%
+109.6% YoY-18.1% QoQ
|
-0.3% |
0.6%
+10.8% YoY
|
0.7%
+32.7% YoY
|
0.7%
+15.9% YoY
|
33% |
| NIM |
1.7%
+29.2% YoY+2.0% QoQ
|
-2.3% |
4.0%
+4.0% YoY
|
3.7%
+4.6% YoY
|
3.8%
+5.1% YoY
|
Bottom 2.3% in tier |
| Efficiency Ratio |
78.6%
-8.1% YoY+6.1% QoQ
|
-3.9% |
82.6%
-2.3% YoY
|
78.3%
-5.6% YoY
|
79.7%
-3.3% YoY
|
48% |
| Delinquency Rate |
0.1%
-64.7% YoY-29.0% QoQ
|
-1.4 |
1.6%
-3.1% YoY
|
1.7%
+25.2% YoY
|
1.3%
-2.1% YoY
|
21% |
| Loan To Share |
14.2%
-6.9% YoY-1.3% QoQ
|
-46.4% |
60.6%
-3.1% YoY
|
60.7%
-1.8% YoY
|
67.4%
-1.7% YoY
|
Bottom 2.5% in tier |
| AMR |
$20,681
-2.7% YoY-1.0% QoQ
|
+$6K |
$14,783
-1.4% YoY
|
$17,441
+4.4% YoY
|
$19,687
+2.0% YoY
|
81% |
| CD Concentration |
33.8%
+7.6% YoY+0.8% QoQ
|
+9.4% | 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)