Charter 60787 · Mandan, ND
Railway Credit Union
Railway Credit Union is a state-chartered credit union in Mandan, North Dakota, with $212 million in assets and 8,737 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 12.12%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $212 million
- +10.6% in a year
- Members
- 8,737
- +3.9% in a year
- Net worth ratio
- 12.12%
- Peer median 11.65%
- Loans 60+ days late
- 0.50%
- Peer median 0.70%
- Loans outstanding
- $154 million
- +11.9% in a year
- Shares and deposits
- $184 million
- +11.0% in a year
- Branches
- 3
- 30 employees
- Opened
- 1954
- North Dakota charter
How Railway Credit Union compares
NCUA groups credit unions by size; Railway Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 12.12% is higher than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.50%, is lower than the group median of 0.70%. Loans grew 11.9% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 8 of 29 credit unions headquartered in North Dakota. See all North Dakota credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $212 million | 8,737 | $154 million | 12.12% | 0.50% |
| Q1 2026 | $207 million | 8,588 | $147 million | 12.12% | 0.21% |
| Q4 2025 | $199 million | 8,449 | $143 million | 12.39% | 0.52% |
| Q3 2025 | $194 million | 8,419 | $139 million | 12.58% | 0.38% |
| Q2 2025 | $191 million | 8,406 | $138 million | 12.52% | 0.42% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 53,000 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 3 sites for Railway Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Railway Credit Union (main office)
1006 E Main St, Mandan, ND 58554 - Railway Credit Union
3005 Rock Island Pl, Bismarck, ND 58504 - Railway Credit Union
300 1St St Sw, Mandan, ND 58554
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology