Sep, 30, 2025 — RAILROAD CREDIT UNION is a federally insured state chartered credit union headquartered in IRONDALE, AL with 1 branch location and about $100.92 million in total assets. Opened 70 years ago in 1956, RAILROAD CREDIT UNION has about 4,765 members and employs 8 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | RAILROAD CREDIT UNION |
|---|---|
| Address: (Main Office) | 1808 2nd Ave S IRONDALE, AL 35210-1512 |
| Phone: | (205) 956-0678 |
| Fax: | (205) 956-0834 |
| Website: | https://www.railroadccu.com |
| Branches: | 1 branch locations |
| Members: | 4,765 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 68688 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1956 |
| Last Audited: | Aug 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $100,918,537 |
| CEO/Manager: | Sharon Hazelwood |
| Chairperson: | Leslie C Smith |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 9,771,581 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 21,757 |
| Unsecured Loans | 1,663,894 |
| Other Loans | 10,809,733 |
| TOTAL LOANS | 12,495,384 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -267,366 |
| Land And Building | 76,001 |
| Other Fixed Assets | 34,949 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 880,730 |
| All Other Assets | 0 |
| TOTAL ASSETS | 100,918,537 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 353,207 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 1,399,942 |
| Regular shares | 41,920,618 |
| All Other Shares & Deposits | 43,704,166 |
| TOTAL SHARES & DEPOSITS | 87,024,726 |
| TOTAL LIABILITIES | 87,377,933 |
| Regular Reserve | 0 |
| Other Reserves | -595,623 |
| Undivided Earnings | 14,136,227 |
| TOTAL EQUITY | 13,540,604 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 100,918,537 |
| INCOME & EXPENSE | |
| Loan Income | 580,242 |
| Investment Income | 1,901,420 |
| Other Income | 29,105 |
| Total Employee Compensation & Benefits | 596,326 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 393,694 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 17,570 |
| Cost of Funds | 1,241,249 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 328,593 |
| ↑ Back to Top | |