Railroad
Railroad is a credit union based in Irondale, Alabama, established in 1956, with $101 million in total assets serving 4,750 members. By Trust Grade it ranks 35th of 89 credit unions we track in Alabama. Its net worth ratio of 14.2% is stronger than 82% of similarly sized credit unions, versus a Alabama median of 14.2%. It was profitable over the most recent period, with a 0.64% return on assets. No consumer complaints against Railroad appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Railroad compares to Alabama peers
How we graded Railroad
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (14.2% capital ratio)
- Profitable (ROA 0.64%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Railroad over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Railroad insured?
Yes. Railroad is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Railroad: frequently asked questions
Is Railroad a good credit union?
Railroad earns a Bankzia Trust Grade of A (95/100, "Excellent"), based on a financial-strength score of 95/100 (it has no CFPB complaints on record). Strongly capitalized (14.2% capital ratio); Profitable (ROA 0.64%).
Is Railroad NCUA-insured?
Yes. Railroad is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Railroad?
Railroad holds $101 million in total assets, ranking 35th of 89 credit unions we track in Alabama. It serves 4,750 members.
Does Railroad have CFPB complaints?
No CFPB complaints against Railroad appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
