RAILWAY EMPLOYEES
State-Chartered • Muscle Shoals, Alabama • Est. 1935
Quick Facts
- Charter Number
- #61474
- Type
- State-Chartered
- Established
- 1935
- Headquarters
- Muscle Shoals, Alabama 35661
- Address
- 1604 Gusmus Ave
- Branches
- 2
- ATMs
- 1
- Members
- 1,358
- 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
1,358 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | RAILWAY EMPLOYEES |
|---|---|
| Total Assets | $21.0M |
| Members | 1,358 |
| Loans Outstanding | $5.9M |
| Shares & Deposits | $16.6M |
| Net Worth | $4.6M |
| Net Worth Ratio | 21.95% |
| Loan-to-Share Ratio | 35.5% |
| Delinquency Rate | 0.53% |
| Net Income | +$0 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
Branch Locations
2 locations · 1 ATMs
Main
Main Office1604 Gusmus Ave
Muscle Shoals, AL 35661
Fi-Serv Portico
100 Connell Dr
Berkeley Heights, NJ 07922-2737
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
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View Alabama RankingsFrequently Asked Questions
RAILWAY EMPLOYEES 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, RAILWAY EMPLOYEES has 1,358 members and a potential membership field of 2,500 people.
RAILWAY EMPLOYEES's reported net worth ratio is 21.95% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
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 (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or RAILWAY EMPLOYEES. All financial data is for informational purposes only.