RAILWAY Credit Union Profile

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RAILWAY

Charter #60787 | NCUA Region 3 | FISCU

Low-Income Designation: Yes

Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (701) 667-9500

Fax: (701) 667-9600

Founding Date: N/A

Website: http://www.railwaycu.com

Personnel & Operations

President: Erhart, Douglas

Manager: Brucker, Paul

FT Employees: 29

PT Employees: 0

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 3

Hours: 7:30 AM - 5:30 PM MON - FRI

Credit Union Profile Summary

RAILWAY is a FISCU Credit Union. With a total of 8,406 members ^[1], this institution manages approximately $191,443,174 in total assets ^[1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 12.52% ^[1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 3.68% ^[1].

Financial Snapshot

Total Assets ^[1]

$191,443,174

Total economic resources.

Total Loans ^[1]

$138,037,055

Total value of outstanding loans.

Total Deposits ^[1]

$166,103,487

Total funds deposited by members.

Members ^[1]

8,406

Number of active members.

Performance Ratios

Net Worth Ratio ^[1]

12.52%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) ^[1]

0.91%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio ^[1]

83.10%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) ^[1]

↑ 4.86%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) ^[1]

↑ 3.68%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) ^[1]

↑ 1.41%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

1006 E MAIN ST

MANDAN, ND, 58554-3762

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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

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Branch Locations

Found 3 branches reported by RAILWAY (Charter #60787).

Main Office

Railway Credit Union Main Office

Type: Corporate Office

1006 E Main St

Mandan, ND 58554-3762

Phone: (701) 667-9500

Services: Member Services, ATM, Drive-Thru

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Additional Branches

Bismarck