RAILWAY EMPLOYEES Credit Union Profile

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RAILWAY EMPLOYEES

Charter #61474 | NCUA Region 2 | FISCU
Low-Income Designation: No
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (256) 383-7940

Fax: (256) 383-8225

Founding Date: N/A

Website: http://www.railwaycreditunion.com

Personnel & Operations

President: Meeks, David

Manager: Matthews, Mary Leigh

FT Employees: 3

PT Employees: 0

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 1

Hours: Monday thru Thursday 9 a.m. to 4 p.m. Frida

Credit Union Profile Summary

RAILWAY EMPLOYEES is a FISCU Credit Union. With a total of 1,384 members [1], this institution manages approximately $19,259,933 in total assets [1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 23.08% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 3.51% [1].

Financial Snapshot

Total Assets [1]
$19,259,933

Total economic resources.

Total Loans [1]
$5,905,527

Total value of outstanding loans.

Total Deposits [1]
$15,218,432

Total funds deposited by members.

Members [1]
1,384

Number of active members.

Performance Ratios

Net Worth Ratio [1]
23.08%

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]
0.77%

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

Loan-to-Share Ratio [1]
38.81%

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

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 8.85%

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

Loan Growth (4Q) [1]
↑ 3.51%

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

Member Growth (4Q) [1]
↓ -3.22%

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

Headquarters Location & Map

Headquarters Address

1604 Gusmus Ave

Muscle Shoals, AL, 35661
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 2 branches reported by RAILWAY EMPLOYEES (Charter #61474).

Main Office

Main Main Office

Type: Corporate Office

1604 Gusmus Ave

Muscle Shoals, AL 35661

Phone: (256) 383-7940

Services: Member Services, ATM, Drive-Thru

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Additional Branches

Troy

Fi-Serv Galaxy

Type: Corporate Office

5600 Crooks Rd Ste 101

Troy, MI 48098

Phone: (800) 876-9000

Services: None specified

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