Railway Employees
Muscle Shoals, AL · Charter 61474 · Peer group: credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (n=38)
NCUA · 2 branches
Q2 2026
$21.1MAssets
$5.6MLoans
$16.7MShares
$4.6MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 92% of credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (rank 3 of 38).
- Widest gap: net interest margin trails 82% of credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (rank 31 of 38).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.78%
Rank 19 of 38
Net Interest Margin
3.37%
Rank 31 of 38
Efficiency Ratio
78.70%
Rank 21 of 38
Equity / Assets
22.01%
Rank 3 of 38
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.78% | 0.49% | 0.78% | 1.16% | Beats 50% | 19 / 38 | |
| Return on Equity | 3.54% | 3.91% | 6.52% | 8.43% | Beats 18% | 31 / 38 | |
| Net Interest Margin | 3.37% | 3.41% | 3.65% | 4.18% | Beats 18% | 31 / 38 | |
| Efficiency Ratio | 78.70% | 72.88% | 78.35% | 82.40% | Beats 47% | 21 / 38 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.98% | 0.36% | 0.84% | 1.47% | Beats 47% | 21 / 38 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 22.01% | 11.22% | 12.45% | 15.29% | Beats 92% | 3 / 38 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 22.01% | 11.22% | 12.45% | 15.29% | Beats 92% | 3 / 38 | |
| Liquidity & Funding |
| Loans / Deposits | 33.63% | 38.40% | 54.78% | 75.62% | 18th pctl | 31 / 38 | |
| Loans / Assets | 26.63% | 32.99% | 45.72% | 63.66% | 16th pctl | 32 / 38 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |