Railroad Employees
Railroad Employees is a credit union based in Belen, New Mexico, established in 1955, with $79 million in total assets serving 3,660 members. By Trust Grade it ranks 23rd of 37 credit unions we track in New Mexico. Its net worth ratio of 10.6% trails most similarly sized credit unions (22th percentile), versus a New Mexico median of 13.2%. It was profitable over the most recent period, with a 1.39% return on assets. No consumer complaints against Railroad Employees appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Railroad Employees compares to New Mexico peers
How we graded Railroad Employees
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (10.6% capital ratio)
- Strongly profitable (ROA 1.39%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Railroad Employees over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Railroad Employees insured?
Yes. Railroad 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.
Railroad Employees: frequently asked questions
Is Railroad Employees a good credit union?
Railroad Employees earns a Bankzia Trust Grade of A (93/100, "Excellent"), based on a financial-strength score of 93/100 (it has no CFPB complaints on record). Well-capitalized (10.6% capital ratio); Strongly profitable (ROA 1.39%).
Is Railroad Employees NCUA-insured?
Yes. Railroad 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 Railroad Employees?
Railroad Employees holds $79 million in total assets, ranking 23rd of 37 credit unions we track in New Mexico. It serves 3,660 members.
Does Railroad Employees have CFPB complaints?
No CFPB complaints against Railroad 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.
