CU Explorer
Credit unions · Alabama · Q2 2026

Railway Employees CU

Credit union in Muscle Shoals, AL · NCUA charter #61474 · State charter (federally insured)

Legal name: Railway Employees

Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.

Total assets$21.1M
Total loans & leases$5.6M
Total shares & deposits$16.7M
Members1,360
Net worth$4.6M
Net worth / assets22.01%
Loans / assets26.62%
Return on assets (annualized)0.78%
Loan growth (YoY)−4.99%
Member growth (YoY)−1.73%
Delinquency, all loans (60+ days)0.97%
CharterState charter (federally insured)
Asset band< $50M
NCUA peer group$10M–$50M
Sponsor typeManufacturing (inferred from the name)

AI readiness

No public evidence

Nothing public says the credit union uses AI.

No public evidence found as of 2026-09-22. Checked: its website, announcements by AI vendors, news search. Absence of evidence is not evidence of absence; a credit union may use AI without saying so publicly.

Filed signals, from the credit union's own NCUA call report (Q2 2026): e-Statements. These are relationships and channels, not AI as such.

The AI Score runs from one to five stars; one star, no public evidence, is never shown on a credit union. Scores and sources for every credit union: CU AI Ready Report.

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