PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Railway

Mandan, ND · Charter 60787

NCUA · 3 branches

Q2 2026

$211.6MAssets
$154.4MLoans
$184.4MShares
$25.6MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.89%, down 2 bps year over year; NIM at 3.32%.
  • Asset quality: problem loans at 0.50% of loans (+8 bps YoY).
  • Capital: net worth / assets of 12.12%, down 41 bps from a year ago.
  • Funding: loans stand at 83.76% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.89%-2 bps YoY

Net Interest Margin (YTD, annualized)

3.32%+22 bps YoY

Efficiency Ratio (YTD, annualized)

76.51%+268 bps YoY

Net Worth / Assets

12.12%-41 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.90%0.90%0.85%0.84%0.89%-2 bps
Return on Equity7.19%7.13%6.84%6.89%7.31%+12 bps
Net Interest Margin3.10%3.14%3.12%3.28%3.32%+22 bps
Efficiency Ratio73.83%73.90%74.52%77.23%76.51%+268 bps
Growth
Asset Growth (YoY)4.86%3.42%5.82%9.24%10.55%+569 bps
Loan Growth (YoY)3.68%2.45%5.35%8.29%11.87%+819 bps
Share Growth (YoY)4.32%2.73%5.15%9.61%10.99%+667 bps
Asset Quality
Delinquent Loans / Loans0.42%0.38%0.52%0.21%0.50%+8 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.52%12.59%12.39%12.12%12.12%-41 bps
Net Worth / Assets12.52%12.59%12.39%12.12%12.12%-41 bps
Liquidity & Funding
Loans / Shares83.10%82.67%82.93%81.60%83.76%+66 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps