RAILROAD
State-Chartered • Irondale, Alabama • Est. 1956
Quick Facts
- Charter Number
- #68688
- Type
- State-Chartered
- Established
- 1956
- Headquarters
- Irondale, Alabama 35210
- Address
- P O Box 100185
- Branches
- 1
- Members
- 4,747
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
4,747 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | RAILROAD |
|---|---|
| Total Assets | $99.8M |
| Members | 4,747 |
| Loans Outstanding | $12.2M |
| Shares & Deposits | $86.0M |
| Net Worth | $14.2M |
| Net Worth Ratio | 14.20% |
| Loan-to-Share Ratio | 14.2% |
| Delinquency Rate | 0.12% |
| Net Income | +$382,212 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
1 location
Main Office
Main Office1808 2nd Ave S
Irondale, AL 35210-1512
Who Can Join RAILROAD?
Membership Type: Community
Membership eligibility for RAILROAD may vary. Contact the credit union directly to confirm qualification requirements.
Contact RAILROAD directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Alabama RankingsFrequently Asked Questions
Yes. RAILROAD is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, RAILROAD has 4,747 members and a potential membership field of 100,000 people.
RAILROAD's net worth ratio is 14.20% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 14.2%, RAILROAD meets this threshold.
RAILROAD operates 1 branch location. The main office is located at 1808 2nd Ave S, Irondale, AL 35210-1512.
RAILROAD was established in 1956. It is a state-chartered credit union chartered under charter number 68688. The institution has been serving members for 70 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or RAILROAD. All financial data is for informational purposes only.