Railroad Employees

Belen, NM · 2 · Charter #62841 · www.recu.org
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
$75.4M
27th percentile
Members
3,631
10th percentile
Total loans
$47.7M
37th percentile
Total shares
$62.5M
25th percentile

Profitability

Return on assets
1.60%
81th percentile
Net interest margin
3.46%
39th percentile
Efficiency ratio
41.52%
94th percentile
Non-interest income ratio
12.72%
28th percentile

Capital & Risk

Net worth ratio
10.83%
33th percentile
Delinquency rate
0.53%
63th percentile
Net charge-off rate
0.44%
38th percentile
Loan-to-share
76.22%
64th percentile

Growth

Member growth YoY
4.94%
93th percentile
Asset growth YoY
3.04%
42th percentile
Loan growth YoY
4.61%
69th percentile
Share growth YoY
1.74%
36th percentile

Operations

Members / branch
3,631
62th percentile
Assets / member
$20,756
87th percentile
Field of membership penetration
2.84%
35th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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