Railroad
Irondale, AL · Charter 68688 · Peer group: credit unions under $1B in assets in the Birmingham, AL area (n=29)
NCUA · 1 branch
Q2 2026
$100.6MAssets
$11.3MLoans
$86.7MShares
$14.5MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 93% of credit unions under $1B in assets in the Birmingham, AL area (rank 3 of 29).
- Widest gap: net interest margin trails 100% of credit unions under $1B in assets in the Birmingham, AL area (rank 29 of 29).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
0.65%
Rank 15 of 29
Net Interest Margin
2.15%
Rank 29 of 29
Efficiency Ratio
67.99%
Rank 9 of 29
Equity / Assets
14.40%
Rank 13 of 29
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.65% | 0.26% | 0.65% | 1.06% | Beats 48% | 15 / 29 | |
| Return on Equity | 4.50% | 2.33% | 4.15% | 7.02% | Beats 55% | 13 / 29 | |
| Net Interest Margin | 2.15% | 3.29% | 3.80% | 4.67% | Beats 0% | 29 / 29 | |
| Efficiency Ratio | 67.99% | 67.71% | 81.00% | 89.29% | Beats 72% | 9 / 29 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.07% | 0.40% | 1.03% | 1.72% | Beats 93% | 3 / 29 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.40% | 10.13% | 13.97% | 19.12% | Beats 55% | 13 / 29 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.40% | 10.13% | 13.97% | 19.12% | Beats 55% | 13 / 29 | |
| Liquidity & Funding |
| Loans / Deposits | 13.03% | 40.72% | 55.53% | 68.24% | 0th pctl | 29 / 29 | |
| Loans / Assets | 11.23% | 35.46% | 45.52% | 58.70% | 0th pctl | 29 / 29 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |