Railroad Employees Credit Union Belen, New Mexico
Railroad Employees Credit Union is a state-chartered credit union headquartered in Belen, NM, established in 1955 (NCUA charter 62841), and it is regulated and insured by the NCUA. At Q2 2026 it reported 3,703 members and total assets of $79.9M (up 7.1% from Q2 2025), the 17th largest of 37 credit unions headquartered in New Mexico. Its net worth ratio was 10.79% at Q2 2026, in the well capitalized band.
Also written as Railroad Employees CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 62841
- Headquarters
- Belen, NM
- Established
- 1955
- Total assets, Q2 2026
- $79.9M
- Assets vs Q2 2025
- +7.1%
- Members, Q2 2026
- 3,703
- Net worth ratio, Q2 2026
- 10.79%
- Latest call report
- Q2 2026, NCUA 5300 · Railroad Employees Credit Union call report
- Asset rank in state
- 17th of 37 in New Mexico
- Routing number
- 307084004
- Branches
- 1
It has 81 more members than on June 30, 2025 (+2.2%). Its net worth ratio was up 0.46 percentage points from 10.33% on June 30, 2025. Used vehicle loans are its largest loan category, $25.9M of $49.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.51% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 10.79% net worth ratio is below that band's 14.31% median.
Frequently asked about Railroad Employees Credit Union
How big is Railroad Employees Credit Union?
At Q2 2026 it reported total assets of $79.9M and 3,703 members.
Where is Railroad Employees Credit Union headquartered?
It is headquartered in Belen, NM, United States.
When was Railroad Employees Credit Union founded?
It was established in 1955, per NCUA records.
Is Railroad Employees Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 62841): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Railroad Employees Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Railroad Employees Credit Union well capitalized?
Its net worth ratio was 10.79% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Railroad Employees Credit Union's delinquency ratio?
Its delinquency ratio was 0.51% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Railroad Employees Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 70.06% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Belen, NM 87002
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1955
- NCUA Charter #
- 62841
- RSSD ID
- 876997
- Members
- 3,703
- Potential members
- 122,500
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 10.79% | 14.31% | 22nd bottom |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.92% | 0.72% | 59th above |
| Return on equity Middle half of peers: 1.04% to 8.69% | 8.55% | 4.74% | 74th above |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.39% | 3.93% | 28th below |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 66.19% | 79.83% | 78th top |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 2.19% | 0.78% | under 10th bottom |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.51% | 0.86% | 67th above |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 5.58% | 4.70% | 80th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 70.06% | 58.92% | 66th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$79.9M total assets against $74.6M; $70.5M total shares and deposits against $66.1M; $49.4M total loans against $48.2M.
$8.6M net worth against $7.7M.
10.79% net worth ratio against 10.33%.
70.06% loan-to-share ratio against 72.94%.
0.51% delinquency ratio against 0.32%.
0.92% return on assets against 1.99%; 8.55% return on equity against 19.22%.
3.39% net interest margin against 3.50%.
3,703 members against 3,622.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 10.79% | 0.92% | 0.51% | 70.06% |
| March 31, 2026 | 10.62% | 1.39% | 0.72% | 68.57% |
| December 31, 2025 | 10.83% | 1.34% | 0.53% | 71.35% |
| September 30, 2025 | 10.60% | 1.11% | 0.47% | 72.16% |
| June 30, 2025 | 10.33% | 1.99% | 0.32% | 72.94% |
| March 31, 2025 | 9.66% | 0.59% | 0.36% | 69.01% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.