Railway
Mandan, ND · Charter 60787 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$211.6MAssets
$154.4MLoans
$184.4MShares
$25.6MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 64% of credit unions under $1B in assets (rank 609 of 1681).
- Widest gap: net interest margin trails 75% of credit unions under $1B in assets (rank 1259 of 1683).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.89%
Rank 698 of 1,683
Net Interest Margin
3.32%
Rank 1,259 of 1,683
Efficiency Ratio
76.51%
Rank 752 of 1,682
Equity / Assets
12.12%
Rank 972 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.89% | 0.35% | 0.74% | 1.18% | Beats 59% | 698 / 1,683 | |
| Return on Equity | 7.31% | 2.67% | 5.89% | 8.74% | Beats 64% | 609 / 1,681 | |
| Net Interest Margin | 3.32% | 3.31% | 3.82% | 4.32% | Beats 25% | 1,259 / 1,683 | |
| Efficiency Ratio | 76.51% | 68.91% | 78.20% | 86.93% | Beats 55% | 752 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.50% | 0.26% | 0.65% | 1.29% | Beats 59% | 684 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.12% | 10.44% | 12.89% | 16.53% | Beats 42% | 972 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.12% | 10.44% | 12.89% | 16.53% | Beats 42% | 972 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 83.76% | 52.61% | 69.38% | 83.50% | 75th pctl | 413 / 1,683 | |
| Loans / Assets | 72.96% | 44.71% | 59.18% | 70.72% | 80th pctl | 339 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |