Railway Employees
Railway Employees is a credit union based in Muscle Shoals, Alabama, established in 1935, with $21 million in total assets serving 1,358 members. By Trust Grade it ranks 28th of 89 credit unions we track in Alabama. Its net worth ratio of 21.9% is stronger than 83% of similarly sized credit unions, versus a Alabama median of 14.2%. It was profitable over the most recent period, with a 0.91% return on assets. No consumer complaints against Railway Employees appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Railway Employees compares to Alabama peers
How we graded Railway Employees
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (21.9% capital ratio)
- Profitable (ROA 0.91%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Railway Employees over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Railway Employees insured?
Yes. Railway Employees 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.
Railway Employees: frequently asked questions
Is Railway Employees a good credit union?
Railway Employees earns a Bankzia Trust Grade of A (97/100, "Excellent"), based on a financial-strength score of 97/100 (it has no CFPB complaints on record). Strongly capitalized (21.9% capital ratio); Profitable (ROA 0.91%).
Is Railway Employees NCUA-insured?
Yes. Railway Employees 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 Railway Employees?
Railway Employees holds $21 million in total assets, ranking 28th of 89 credit unions we track in Alabama. It serves 1,358 members.
Does Railway Employees have CFPB complaints?
No CFPB complaints against Railway Employees 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.
