PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Railway Employees

Muscle Shoals, AL · Charter 61474

NCUA · 2 branches

Q2 2026

$21.1MAssets
$5.6MLoans
$16.7MShares
$4.6MNet 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 0.78%, up 3 bps year over year; NIM at 3.37%.
  • Asset quality: problem loans at 0.97% of loans (-5 bps YoY).
  • Capital: net worth / assets of 22.01%, down 106 bps from a year ago.
  • Funding: loans stand at 33.63% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.78%+3 bps YoY

Net Interest Margin (quarter, annualized)

3.37%-14 bps YoY

Efficiency Ratio (quarter, annualized)

78.69%-188 bps YoY

Net Worth / Assets

22.01%-106 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.75%0.59%0.92%0.91%0.78%+3 bps
Return on Equity3.24%2.61%4.05%4.15%3.54%+30 bps
Net Interest Margin3.52%3.43%3.41%3.47%3.37%-14 bps
Efficiency Ratio80.56%84.24%75.30%75.73%78.69%-188 bps
Growth
Asset Growth (YoY)8.85%7.94%11.61%13.89%9.42%+57 bps
Loan Growth (YoY)3.51%7.81%6.23%6.39%-4.99%-850 bps
Share Growth (YoY)9.39%8.84%11.86%15.08%9.64%+25 bps
Asset Quality
Delinquent Loans / Loans1.02%0.79%0.39%0.53%0.97%-5 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 Capital23.08%22.64%22.66%21.95%22.01%-106 bps
Net Worth / Assets23.08%22.64%22.66%21.95%22.01%-106 bps
Liquidity & Funding
Loans / Shares38.81%38.99%37.43%35.53%33.63%-518 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps