RAILWAY EMPLOYEES
State-Chartered • Muscle Shoals, Alabama • Est. 1935
Quick Facts
- Charter Number
- #61474
- Type
- State-Chartered
- Established
- 1935
- Headquarters
- Muscle Shoals, Alabama 35662
- Address
- P.O. Box 3776
- Branches
- 2
- ATMs
- 1
- Members
- 1,366
- 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
1,366 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | RAILWAY EMPLOYEES |
|---|---|
| Total Assets | $20.1M |
| Members | 1,366 |
| Loans Outstanding | $5.9M |
| Shares & Deposits | $15.8M |
| Net Worth | $4.6M |
| Net Worth Ratio | 22.66% |
| Loan-to-Share Ratio | 37.4% |
| Delinquency Rate | 0.39% |
| Net Income | +$184,442 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
2 locations · 1 ATMs
Main
Main Office1604 Gusmus Ave
Muscle Shoals, AL 35661
Fi-Serv Galaxy
5600 Crooks Rd Ste 101
Troy, MI 48098
Who Can Join RAILWAY EMPLOYEES?
Membership Type: Community
Membership eligibility for RAILWAY EMPLOYEES may vary. Contact the credit union directly to confirm qualification requirements.
Contact RAILWAY EMPLOYEES directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in Alabama
Browse all federally insured credit unions in Alabama, ranked by assets, members, and financial health score.
View Alabama RankingsFrequently Asked Questions
Yes. RAILWAY EMPLOYEES 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, RAILWAY EMPLOYEES has 1,366 members and a potential membership field of 2,500 people.
RAILWAY EMPLOYEES's net worth ratio is 22.66% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 22.7%, RAILWAY EMPLOYEES meets this threshold.
RAILWAY EMPLOYEES operates 2 branch locations and has access to 1 ATMs. The main office is located at 1604 Gusmus Ave, Muscle Shoals, AL 35661.
RAILWAY EMPLOYEES was established in 1935. It is a state-chartered credit union chartered under charter number 61474. The institution has been serving members for 91 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or RAILWAY EMPLOYEES. All financial data is for informational purposes only.