Civic Intelligence

Railway Employees Credit Union

EIN 63-0362060 • 501(c)14 • Muscle Shoals, AL

View Organization Page

Profile

Credit union - to provide services to approximately 1,446 members in the form of loans, savings, and other financial services.

1604 Gusmus AvenueMuscle Shoals, AL 35661

www.railwaycreditunion.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

25th percentile

0.79x

Higher debt load relative to assets than 25% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2025

Liabilities / Revenue

68th percentile

18.74x

Higher debt load relative to revenue than 68% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2025

Net Margin

81st percentile

22%

Higher net margin than 81% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2025

Top Officer Pay

90th percentile

$133,920

Higher top officer pay than 90% of similar nonprofits.

Top officer pay equals 15.7% of source-year revenue.

501(c)14 • $10M-$25M nonprofits • Source year 2025

Asset Growth

94th percentile

12%

Faster asset growth than 94% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2024 to 2025

Revenue Growth

74th percentile

14%

Faster revenue growth than 74% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets25th percentile

Assets

Up

$18,019,242

Up $469,899 (+2.7%) from 2023

Liabilities

Up

$14,243,701

Up $305,363 (+2.2%) from 2023

Net Assets

Up

$3,775,541

Up $164,536 (+4.6%) from 2023

Operations
Liabilities / Revenue68th percentileNet Margin81st percentile

Revenue

Up

$749,167

Up $90,195 (+14%) from 2023

Expenses

Up

$604,172

Up $55,758 (+10%) from 2023

Net Income

Up

$144,995

Up $34,437 (+31%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth94th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$30M$20M$10M$0Assets 2010: $16,795,145Liabilities 2010: $12,795,317Net Assets 2010: $3,999,8282010Assets 2011: $16,873,443Liabilities 2011: $12,844,670Net Assets 2011: $4,028,7732011Assets 2012: $16,525,072Liabilities 2012: $12,482,964Net Assets 2012: $4,042,1082012Assets 2013: $17,177,098Liabilities 2013: $13,120,955Net Assets 2013: $4,056,1432013Assets 2014: $16,897,893Liabilities 2014: $12,775,992Net Assets 2014: $4,121,9012014Assets 2015: $17,326,501Liabilities 2015: $13,194,291Net Assets 2015: $4,132,2102015Assets 2016: $17,756,268Liabilities 2016: $13,580,965Net Assets 2016: $4,175,3032016Assets 2017: $18,283,005Liabilities 2017: $14,105,390Net Assets 2017: $4,177,6152017Assets 2018: $17,982,103Liabilities 2018: $13,832,644Net Assets 2018: $4,149,4592018Assets 2019: $17,405,670Liabilities 2019: $13,340,748Net Assets 2019: $4,064,9222019Assets 2020: $18,977,543Liabilities 2020: $14,920,244Net Assets 2020: $4,057,2992020Assets 2021: $20,714,368Liabilities 2021: $16,677,937Net Assets 2021: $4,036,4312021Assets 2022: $18,908,048Liabilities 2022: $15,444,686Net Assets 2022: $3,463,3622022Assets 2023: $17,549,343Liabilities 2023: $13,938,338Net Assets 2023: $3,611,0052023Assets 2024: $18,019,242Liabilities 2024: $14,243,701Net Assets 2024: $3,775,5412024

Highlighted filing

2024

Assets$18,019,242
Liabilities$14,243,701
Net Assets$3,775,541
Open 2024 Filing

Operations Trend

Revenue Growth74th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$1.0M$500K$0-$500KExpenses 2010: $639,8132010Expenses 2011: $664,6522011Expenses 2012: $631,5452012Revenue 2013: $578,914Expenses 2013: $564,879Net Income 2013: $14,0352013Revenue 2014: $629,881Expenses 2014: $564,123Net Income 2014: $65,7582014Revenue 2015: $618,498Expenses 2015: $597,414Net Income 2015: $21,0842015Revenue 2016: $619,184Expenses 2016: $576,091Net Income 2016: $43,0932016Revenue 2017: $598,343Expenses 2017: $595,539Net Income 2017: $2,8042017Revenue 2018: $606,801Expenses 2018: $634,957Net Income 2018: -$28,1562018Revenue 2019: $629,317Expenses 2019: $713,854Net Income 2019: -$84,5372019Revenue 2020: $557,723Expenses 2020: $565,346Net Income 2020: -$7,6232020Revenue 2021: $477,429Expenses 2021: $470,528Net Income 2021: $6,9012021Revenue 2022: $558,613Expenses 2022: $475,760Net Income 2022: $82,8532022Revenue 2023: $658,972Expenses 2023: $548,414Net Income 2023: $110,5582023Revenue 2024: $749,167Expenses 2024: $604,172Net Income 2024: $144,9952024

Highlighted filing

2024

Revenue$749,167
Expenses$604,172
Net Income$144,995
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$18,019,242
Liabilities
$14,243,701
Net assets
$3,775,541
Revenue
$749,167
Expenses
$604,172
Net income
$144,995
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$18.0$14.2$3.78$0.75$0.60$0.14
2023Detailed filing. Detailed filing data is available for this year.$17.5$13.9$3.61$0.66$0.55$0.11
2022Detailed filing. Detailed filing data is available for this year.$18.9$15.4$3.46$0.56$0.48$0.08
2021Detailed filing. Detailed filing data is available for this year.$20.7$16.7$4.04$0.48$0.47$0.01
2020Detailed filing. Detailed filing data is available for this year.$19.0$14.9$4.06$0.56$0.57$0.01
2019Detailed filing. Detailed filing data is available for this year.$17.4$13.3$4.06$0.63$0.71$0.08
2018Detailed filing. Detailed filing data is available for this year.$18.0$13.8$4.15$0.61$0.63$0.03
2017Detailed filing. Detailed filing data is available for this year.$18.3$14.1$4.18$0.60$0.60$0.00
2016Detailed filing. Detailed filing data is available for this year.$17.8$13.6$4.18$0.62$0.58$0.04
2015Detailed filing. Detailed filing data is available for this year.$17.3$13.2$4.13$0.62$0.60$0.02
2014Detailed filing. Detailed filing data is available for this year.$16.9$12.8$4.12$0.63$0.56$0.07
2013Detailed filing. Detailed filing data is available for this year.$17.2$13.1$4.06$0.58$0.56$0.01
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$16.5$12.5$4.04$0.63
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$16.9$12.8$4.03$0.66
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$16.8$12.8$4.00$0.64
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Aug 28, 2025
Return Version
2024v5.0
Gross Receipts
$749,167
Mission and Program Overview

Mission

Credit union - to provide services to approximately 1,366 members in the form of loans, savings, and other financial services.

Credit union - to provide financial services for its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$4,996,000$5,748,000▲ $752,000
Investments Other Securities$6,225,374$5,712,938▼ $512,436
Accounts Receivable$5,283,634$5,522,314▲ $238,680
Rtn Earn Endowment Incm Other Fnds$3,611,005$3,775,541▲ $164,536
Cash and Non-Interest-Bearing Accounts$696,952$707,614▲ $10,662
Land, Buildings, and Equipment, Net$133,749$126,400▼ $7,349
Prepaid Expenses and Deferred Charges$33,446$35,442▲ $1,996
Total Assets$17,549,343$18,019,242▲ $469,899
Other Assets Total$180,188$166,534▼ $13,654
Liabilities
Other Liabilities$13,816,870$14,146,392▲ $329,522
Accounts Payable and Accrued Expenses$121,468$97,309▼ $24,159
Total Liabilities$13,938,338$14,243,701▲ $305,363
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,611,005$3,775,541▲ $164,536
Total Liabilities and Net Assets / Fund Balance$17,549,343$18,019,242▲ $469,899

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$28,924$675,023$703,947
Land$75,500-$75,500
Other Securities$14,000--
Compensation and Service Providers
Top Officer Pay90th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Mary Leigh MatthewsManagerFT$89,742$20,832$110,574

Board Members and Trustees

NameTitle
Phillip WrightSc Chair
Gary UtleyBod Member
James FullerBod Member
David MeeksBod Presiden
James HamiltonBod Sec/tres
Luther GrishamBod Vice Pre
Danny WeeksCredit Commi
Jeremy UtleyCredit Commi
Charles RickardCreit Commit
Audrey BaileySc Member
Roy E ClementSc Member
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$441,742
Investment Income
$307,425
Other Revenue
$0
Change in Net Assets
$144,995
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$389,083
Salaries, Compensation, and Employee Benefits$215,089
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages-$157,187-$157,187
Interest-$67,276-$67,276
Office Expenses-$60,853-$60,853
Other Employee Benefits-$40,873-$40,873
Occupancy-$26,905-$26,905
Payroll Taxes-$12,540-$12,540
Pension Plan Contributions-$4,489-$4,489
Other Expenses-$4,323-$4,323
All Other Expenses-$1,568-$1,568
Conferences and Meetings-$1,557-$1,557
Total Functional Expenses$0$604,172$0$604,172
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Regular Shares$7,613,239
All Other Shares$3,982,661
Share Drafts$2,550,492
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

“The credit union is owned by the members.”

Form 990, Page 6, Part VI, Line 7A

“The board of directors is elected by the membership (one member, one vote). All duties, powers, and responsibilities are controlled by the board of directors. The members elect the board of directors at the annual meeting every year.”

Form 990, Page 6, Part VI, Line 7B

“Some decisions made by the board of directors are affirmed by the members.”

Form 990, Page 6, Part VI, Line 11B

“The form 990 is reviewed by the manager. The form 990 is available for review by the board of directors upon request.”

Form 990, Page 6, Part VI, Line 12C

“The board of directors monitor and enforce the conflict of interest policy.”

Form 990, Page 6, Part VI, Line 15A

“The board of directors use a comparison of small credit union compensation.”

Form 990, Page 6, Part VI, Line 15B

“Only comparability data was used in determining compensation for the president/ceo.”

Form 990, Page 6, Part VI, Line 19

“Financial documents are posted in the credit union lobby by the 15th of the subsequent month.”

Filing and Contact Details

Filer

Filer Name
Railway Employees Credit Union
EIN
63-0362060
Phone
2563837940
Address
1604 GUSMUS AVENUE, MUSCLE SHOALS, AL 35661

Signing Officer

Name
Mary Leigh Matthews
Title
Manager
Signed
2025-08-28
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Mary Leigh Matthews
Formed
1935
Legal Domicile
Al
Voting Board Members
5
Independent Board Members
5
Employees
5
Volunteers
11

Preparer

Firm
Cu Audit & Compliance Group
Address
3692 COOLIDGE CT, TALLAHASSEE, FL 32311-7890
Preparer
Amanda Onkst
Phone
2054372176
Supplemental Narrative

Additional Explanations

Form 990, Page 1, Part I, Line 6

“Hours of service are related to duties of the board of directors, supervisory committee, and credit committee without compensation.”

Form 990, Page 5, Part V, Line 3B

“The credit union had no unrelated business income.”

Form 990, Part XI, Line 9

“Due to rounding 0 acct adj - cecl 0”

Raw XML Appendix384 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/OfficeExpensesGrp/TotalAmt060853
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0180188
IRS990/OtherAssetsTotalGrp/EOYAmt0166534
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt040873
IRS990/OtherEmployeeBenefitsGrp/TotalAmt040873
IRS990/OtherExpensesGrp/Desc0PROF. & OUTSIDE SERVICES
IRS990/OtherExpensesGrp/Desc1MISC OPERATING EXPENSE
IRS990/OtherExpensesGrp/Desc2EXAM FEES
IRS990/OtherExpensesGrp/Desc3LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt0215974
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt16018
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt24609
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt34323
IRS990/OtherExpensesGrp/TotalAmt0215974
IRS990/OtherExpensesGrp/TotalAmt16018
IRS990/OtherExpensesGrp/TotalAmt24609
IRS990/OtherExpensesGrp/TotalAmt34323
IRS990/OtherLiabilitiesGrp/BOYAmt013816870
IRS990/OtherLiabilitiesGrp/EOYAmt014146392
IRS990/OtherOrganizationDsc0CREDIT UNION
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt0157187
IRS990/OtherSalariesAndWagesGrp/TotalAmt0157187
IRS990/OwnWebsiteInd0X
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt012540
IRS990/PayrollTaxesGrp/TotalAmt012540
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt04489
IRS990/PensionPlanContributionsGrp/TotalAmt04489
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt033446
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt035442
IRS990/PrincipalOfficerNm0MARY LEIGH MATTHEWS
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1525990
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0376713
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt165029
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0376713
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt165029
IRS990/ProgSrvcAccomActy2Grp/Desc0THE CREDIT UNION PROVIDED A VARIETY OF DEPOSIT SERVICES FOR ITS MEMBERS.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt067276
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt0260668
IRS990/PYOtherExpensesAmt0353052
IRS990/PYProgramServiceRevenueAmt0398304
IRS990/PYRevenuesLessExpensesAmt0110558
IRS990/PYSalariesCompEmpBnftPaidAmt0195362
IRS990/PYTotalExpensesAmt0548414
IRS990/PYTotalRevenueAmt0658972
IRS990/ReconcilationRevenueExpnssAmt0144995
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0true
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt03611005
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt03775541
IRS990/SavingsAndTempCashInvstGrp/BOYAmt04996000
IRS990/SavingsAndTempCashInvstGrp/EOYAmt05748000
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt028924
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0675023
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0703947
IRS990ScheduleD/LandGrp/BookValueAmt075500
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt075500
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt07613239
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt13982661
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt22550492
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0REGULAR SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1ALL OTHER SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2SHARE DRAFTS
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt05698938
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt114000
IRS990ScheduleD/OtherSecuritiesGrp/Desc0ALL OTHER INVESTMENTS
IRS990ScheduleD/OtherSecuritiesGrp/Desc1MEMBERSHIP CAPITAL
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0104424
IRS990ScheduleD/TotalBookValueSecuritiesAmt05712938
IRS990ScheduleD/TotalLiabilityAmt014146392
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0HOURS OF SERVICE ARE RELATED TO DUTIES OF THE BOARD OF DIRECTORS, SUPERVISORY COMMITTEE, AND CREDIT COMMITTEE WITHOUT COMPENSATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION HAD NO UNRELATED BUSINESS INCOME.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE CREDIT UNION IS OWNED BY THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE BOARD OF DIRECTORS IS ELECTED BY THE MEMBERSHIP (ONE MEMBER, ONE VOTE). ALL DUTIES, POWERS, AND RESPONSIBILITIES ARE CONTROLLED BY THE BOARD OF DIRECTORS. THE MEMBERS ELECT THE BOARD OF DIRECTORS AT THE ANNUAL MEETING EVERY YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4SOME DECISIONS MADE BY THE BOARD OF DIRECTORS ARE AFFIRMED BY THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE FORM 990 IS REVIEWED BY THE MANAGER. THE FORM 990 IS AVAILABLE FOR REVIEW BY THE BOARD OF DIRECTORS UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE BOARD OF DIRECTORS MONITOR AND ENFORCE THE CONFLICT OF INTEREST POLICY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7THE BOARD OF DIRECTORS USE A COMPARISON OF SMALL CREDIT UNION COMPENSATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8ONLY COMPARABILITY DATA WAS USED IN DETERMINING COMPENSATION FOR THE PRESIDENT/CEO.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9FINANCIAL DOCUMENTS ARE POSTED IN THE CREDIT UNION LOBBY BY THE 15TH OF THE SUBSEQUENT MONTH.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10DUE TO ROUNDING 0 ACCT ADJ - CECL 0
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 1, PART I, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 5, PART V, LINE 3B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10FORM 990, PART XI, LINE 9
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IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0AL
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt017549343
IRS990/TotalAssetsEOYAmt018019242
IRS990/TotalAssetsGrp/BOYAmt017549343
IRS990/TotalAssetsGrp/EOYAmt018019242
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt05
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt0604172
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0604172
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt013938338
IRS990/TotalLiabilitiesEOYAmt014243701
IRS990/TotalLiabilitiesGrp/BOYAmt013938338
IRS990/TotalLiabilitiesGrp/EOYAmt014243701
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt03611005
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt03775541
IRS990/TotalOtherCompensationAmt020832
IRS990/TotalProgramServiceExpensesAmt0604172
IRS990/TotalProgramServiceRevenueAmt0441742
IRS990/TotalReportableCompFromOrgAmt089742
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0749167
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0749167
IRS990/TotalVolunteersCnt011
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt017549343
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt018019242
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt01604 GUSMUS AVE
IRS990/USAddress/CityNm0MUSCLE SHOALS
IRS990/USAddress/StateAbbreviationCd0AL
IRS990/USAddress/ZIPCd035661
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0WWW.RAILWAYCREDITUNION.COM
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0MARY LEIGH MATTHEWS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-08-28
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0RAILWAY EMPLOYEES CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0RAIL
ReturnHeader/Filer/EIN0630362060
ReturnHeader/Filer/PhoneNum02563837940
ReturnHeader/Filer/USAddress/AddressLine1Txt01604 GUSMUS AVENUE
ReturnHeader/Filer/USAddress/CityNm0MUSCLE SHOALS
ReturnHeader/Filer/USAddress/StateAbbreviationCd0AL
ReturnHeader/Filer/USAddress/ZIPCd035661
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0false
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0202711127
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0CU AUDIT & COMPLIANCE GROUP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt03692 COOLIDGE CT
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0TALLAHASSEE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0FL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0323117890
ReturnHeader/PreparerPersonGrp/PhoneNum02054372176
ReturnHeader/PreparerPersonGrp/PreparationDt02025-10-01
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0AMANDA ONKST
ReturnHeader/ReturnTs02025-10-01T14:26:15-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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