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Railway Employees Credit Union

Popular Accounts at this Credit Union

0.25%1-year CD1 Year CD
0.25%SavingsDaily Action Saving Account
0.25%SavingsShare (Saving) Account

Overview / Commentary
1604 Gusmus Ave
Muscle Shoals, AL 35661

Railway Employees Credit Union is headquartered in Muscle Shoals and is the 65th largest credit union in the state of Alabama. It is also the 3,453rd largest credit union in the nation. It was established in 1935 and as of March of 2018, it had grown to 3 employees and 1,588 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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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

NCUA #61474
Year Chartered1935
Primary Regulator
Profit Margin
Return on Assets - YTD0.28%
Return on Equity - YTD1.24%
Annual Interest Income$124.00K
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$19.1MM$18.4MM
LoansQ1 2018vs Q1 2017$6.9MM$7.1MM
DepositsQ1 2018vs Q1 2017$14.3MM$14.1MM
Equity CapitalQ1 2018vs Q1 2017$4.2MM$4.2MM
Loan Loss AllowanceQ1 2018vs Q1 2017$38.00K$42.00K
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$51.00K$13.00K
Real Estate OwnedQ1 2018vs Q1 2017$0$0
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Railway Employees Credit Union Savings Account Rates

0.25%--Daily Action Saving Account
0.25%--Share (Saving) Account

Railway Employees Credit Union CD Rates

0.25%$2,500-6 Month CD
0.25%$10k-1 Year CD

Railway Employees Credit Union IRA Rates

0.75%--30 Month IRA

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

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