RAILROAD
State-Chartered • Irondale, Alabama • Est. 1956
Quick Facts
- Charter Number
- #68688
- Type
- State-Chartered
- Established
- 1956
- Headquarters
- Irondale, Alabama 35210-1512
- Address
- 1808 2nd Ave S
- Branches
- 1
- Members
- 4,750
- Membership Type
- Community
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 10% and a delinquency rate below 1%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
4,750 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | RAILROAD |
|---|---|
| Total Assets | $100.8M |
| Members | 4,750 |
| Loans Outstanding | $11.8M |
| Shares & Deposits | $86.8M |
| Net Worth | $14.3M |
| Net Worth Ratio | 14.21% |
| Loan-to-Share Ratio | 13.6% |
| Delinquency Rate | 0.11% |
| Net Income | +$0 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
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.
Find More Credit Unions in Alabama
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View Alabama RankingsFrequently Asked Questions
RAILROAD is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, RAILROAD has 4,750 members and a potential membership field of 100,000 people.
RAILROAD's reported net worth ratio is 14.21% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
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 (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or RAILROAD. All financial data is for informational purposes only.