Railroad is an NCUA insured institution located in Irondale, AL. It was founded in 1956 and has approximately $100.83 millions in assets.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 68688 |
| Date Established | 1956 |
| Assets | $100.83 million |
| Loans | $11.84 million |
| Deposits | $86.81 million |
| Capital | $14.32 million |
Your Current Location: Vermont, VT
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Your Current Location: Vermont, VT
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Below are Railroad branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Montpelier,Vermont
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The following ratios and data are available to help you better understand the financial condition of Railroad. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
| Railroad | U.S. Average |
|---|---|
| 0.40% | 6.78 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of December 31, 2025, Railroad had $27,585 in non-current loans and $30,000 in owned assets. To cover these potential losses it had $14,323,592 in net worth and $242,549 in loans loss reserves. That gives it a Texas Ratio of 0.40%.
| Railroad | U.S. Average |
|---|---|
| 14.21% | 14.48% |
Railroad FCU has a net worth of 14.21% versus the BestCashCow average of 14.48. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
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Last Update on September 30, 2026
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