Railway Employees Credit Union
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 20.0 and a net worth ratio of 22.0. A current level of 1.3 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0).
Other Rating Factors:
Good liquidity 6.1, driven by a liquidity ratio of 24.5 percent and a “hot money” ratio of 0.0 percent. Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.8 has resulted in Good (5.9) profitability.
Asset Mix:
Securities (15%), home mtgs (13%), consumer loans (11%), other (61%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
1604 Gusmus Avenue
Muscle Shoals, AL 35661
Muscle Shoals, AL 35661
Phone Number
(256) 383-7940
NCUA Charter Number
Largest Competitors
Huntsville, AL
Daleville, AL
Birmingham, AL
Muscle Shoals, AL
Muscle Shoals, AL