Railway Employees

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets

$20.1M

62^th percentile

Members

1,366

48^th percentile

Total loans

$5.9M

49^th percentile

Total shares

$15.8M

60^th percentile

Profitability

Return on assets

0.92%

55^th percentile

Net interest margin

3.41%

31^th percentile

Efficiency ratio

65.99%

51^th percentile

Non-interest income ratio

7.20%

42^th percentile

Capital & Risk

Net worth ratio

22.66%

82^th percentile

Delinquency rate

0.39%

63^th percentile

Net charge-off rate

0.22%

50^th percentile

Loan-to-share

37.43%

19^th percentile

Growth

Member growth YoY

-2.08%

43^th percentile

Asset growth YoY

11.61%

94^th percentile

Loan growth YoY

6.23%

82^th percentile

Share growth YoY

11.86%

93^th percentile

Operations

Members / branch

1,366

60^th percentile

Assets / member

$14,723

84^th percentile

Field of membership penetration

54.64%

71^th percentile

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