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Railway Employees Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
0.40%1-year CD1Year CD
0.25%SavingsDaily Action Saving Account
0.25%SavingsShare (Saving) Account

Overview / Commentary
256-383-7940
1604 Gusmus Ave
Muscle Shoals, AL 35661

Railway Employees Credit Union is headquartered in Muscle Shoals and is the 67th largest credit union in the state of Alabama. It is also the 3,540th largest credit union in the nation. It was established in 1935 and as of September of 2016, it had grown to 3 employees and 1,616 members at 2 locations. Railway Employees Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership is open to current or former employees of Norfolk Southern Railway.
See current membership details

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Health
B+
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Railway Employees Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #61474
Year Chartered1935
Employees3
Primary Regulator
Profit Margin
Return on Assets - YTD0.27%
Return on Equity - YTD1.15%
Annual Interest Income$412.00K
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$18.4MM$17.4MM
LoansQ3 2016vs Q3 2015$7.5MM$7.7MM
DepositsQ3 2016vs Q3 2015$14.0MM$13.0MM
Equity CapitalQ3 2016vs Q3 2015$4.2MM$4.1MM
Loan Loss AllowanceQ3 2016vs Q3 2015$41.00K$46.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$0$30.00K
Real Estate OwnedQ3 2016vs Q3 2015$0$0
Rates
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Railway Employees Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%--Daily Action Saving Account
0.25%--Share (Saving) Account

Railway Employees Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%$10k-1Year CD
0.30%$2,500-6 Month CD

Railway Employees Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%--30 Month IRA
Locations


Railway Employees Credit Union Locations
Branch Office1604 Gusmus AveMuscle Shoals, AL 35661
Branch Office5600 Crooks Rd Ste 101Troy, MI 48098