ZUnclassifiedEIN: 630437941· Ruling Year: 1971

Railroad Community Credit Union

Irondale, Alabama

B+Health Score
68B+

Financial Health Score

9-metric score across financial health, operational efficiency, and organizational resilience. Based on IRS Form 990 data.

Good

How This Organization Compares

Compared to 22 peers in Unclassified with $1M-$10M revenue

Working Capital Ratio (net assets ÷ expenses)

This Org5.80×
Peer Median15.40×
💰
$2.2M
Total Revenue
📊
$2.1M
Total Expenses
🏦
$12.2M
Net Assets
📋
$92.7M
Total Liabilities

Financial Trends

5-Year Trend Analysis

Financial Health Indicators

Revenue Growth
+28.2%
Year-over-year change (2022 → 2023)
Net Margin
+4.5%
Revenue minus expenses as % of revenue
Working Capital Ratio
5.80
Net assets divided by total expenses
Liabilities-to-Assets
88.3%
Total liabilities as % of total assets

Filing History

7 filings on record
YearRevenueExpensesAssets
2023$2,209,67928%$2,109,55340%$104,913,4544%
2022$1,723,1933%$1,508,7679%$109,116,5203%
2021$1,772,19420%$1,664,25524%$112,826,5281%
2020$2,217,60315%$2,192,21815%$112,106,7685%
2019$2,610,79511%$2,583,20612%$106,268,219
2018$2,346,77310%$2,308,56010%$105,747,0271%
2017$2,124,746$2,099,945$107,183,144

Frequently Asked Questions

What does Railroad Community Credit Union do?

Railroad Community Credit Union is a unclassified nonprofit organization based in Alabama. It is classified under NTEE code Z and is registered as a 501(c) tax-exempt organization with the IRS.

Is Railroad Community Credit Union financially healthy?

Based on our 9-metric Financial Health Score model, Railroad Community Credit Union has a score of 68/100 (Grade: B+). This score evaluates working capital, surplus consistency, debt ratio, revenue trends, program spending, fundraising efficiency, executive compensation, revenue diversification, and vulnerability indicators.

How much revenue does Railroad Community Credit Union generate?

Railroad Community Credit Union reports $3.1M in annual revenue and holds $102.3M in total assets, based on IRS filings.

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