RAILWAY EMPLOYEES
Muscle Shoals, AL · State Credit Union · Chartered in AL
Who can join
State government employees (special charter)
Members
1,358
Net Worth Ratio
21.95%
min. 7% = Well Capitalized
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
At a Glance
Total Assets
$21.0M
Peer Group 3
Members
1,358
as of latest quarter
Net Worth Ratio
21.95%
Well Capitalized
Institution Profile
NCUAWebsite
Phone
Address
Chartered
Branch Locations
Membership Eligibility
Financial Snapshot
Total Assets
$21.0M
Total Shares
$16.6M
Total Loans
$5.9M
Net Worth Ratio
21.95%
≥7% = Well Capitalized
Members
1,358
Delinquency Rate (60d+)
0.53%
$31K
Loan-to-share ratio: 35.5%· healthy range 60–80%
Branch Locations
NCUAMain
1604 Gusmus Ave, Muscle Shoals, AL, 35661
Monday thru Thursday 9 a.m. to 4 p.m. Friday 9 a.m. to 5 p.m.
Fi-Serv Portico
100 Connell Dr, Berkeley Heights, NJ, 07922-2737
Mortgage Lending (HMDA)
Credit unions that originate mortgages report Home Mortgage Disclosure Act (HMDA) data to the CFPB. This data covers application volumes, approvals, denials, and borrower demographics.
Consumer Complaints
No CFPB complaint data available for this credit union.
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<a href="https://bankscorer.com/credit-union/railway-employees" target="_blank" rel="noopener">View RAILWAY EMPLOYEES on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.