Credit unions · Alabama · Q2 2026

Railroad CU

Credit union in Irondale, AL · NCUA charter #68688 · State charter (federally insured)

Legal name: Railroad

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

Total assets	$101M
Total loans & leases	$11.3M
Total shares & deposits	$86.7M
Members	4,745
Net worth	$14.5M
Net worth / assets	14.40%
Loans / assets	11.23%
Return on assets (annualized)	0.65%
Loan growth (YoY)	−12.80%
Member growth (YoY)	−0.75%
Delinquency, all loans (60+ days)	0.07%

Charter	State charter (federally insured)
Asset band	$50M–$250M
NCUA peer group	$100M–$500M
Sponsor type	Other / mixed sponsor (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): online membership application, online loan payments, bill payment, 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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