Railway

MANDAN, ND · 2 · Charter #60787 · www.railwaycu.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$199.4M
89th percentile
Members
8,449
57th percentile
Total loans
$142.9M
94th percentile
Total shares
$172.4M
90th percentile

Profitability

Return on assets
1.00%
48th percentile
Net interest margin
3.12%
22th percentile
Efficiency ratio
49.48%
83th percentile
Non-interest income ratio
13.81%
33th percentile

Capital & Risk

Net worth ratio
12.39%
52th percentile
Delinquency rate
0.52%
64th percentile
Net charge-off rate
0.29%
54th percentile
Loan-to-share
82.93%
76th percentile

Growth

Member growth YoY
0.72%
67th percentile
Asset growth YoY
5.82%
66th percentile
Loan growth YoY
5.35%
73th percentile
Share growth YoY
5.15%
65th percentile

Operations

Members / branch
2,816
42th percentile
Assets / member
$23,596
92th percentile
Field of membership penetration
16.09%
67th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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