IRONDALE, AL
4 risk indicators measuring financial stability and operational resilience
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Sign In — Free (10 views/day)RAILROAD COMMUNITY CREDIT UNION, founded in 1956, is a community nonprofit that reported $3.5M in total revenue in fiscal year 2025. Revenue grew 14% year-over-year, indicating healthy expansion. Expenses of $3.1M left a modest 10% surplus.
THIS CREDIT UNION IS A VOLUNTARY, COOPERATIVE, NON-PROFIT FINANCIAL INSTITUTION, CHARTERED UNDER THE ALABAMA CREDIT UNION ACT. ITS PRIMARY PURPOSE IS THE ENCOURAGEMENT OF THRIFT, THE CREATION OF A SOURCE OF CREDIT AT FAIR AND REASONABLE RATES OF INTEREST, AND THE PROVISION OF OPPORTUNITIES FOR ITS MEMBERS TO CONTROL THEIR OWN MONEY IN ORDER TO IMPROVE THEIR ECONOMIC AND SOCIAL CONDITION.
ALABAMA BANKING CODE, SECTION 5-17-1, STATES THAT A CREDIT UNION IS A COOPERATIVE SOCIETY INCORPORATED FOR THE TWOFOLD PURPOSE OF PROMOTING THRIFT AMONG ITS MEMBERS AND CREATING A SOURCE OF CREDIT...
ALABAMA BANKING CODE, SECTION 5-17-1, STATES THAT A CREDIT UNION IS A COOPERATIVE SOCIETY INCORPORATED FOR THE TWOFOLD PURPOSE OF PROMOTING THRIFT AMONG ITS MEMBERS AND CREATING A SOURCE OF CREDIT FOR THEM AT LEGITIMATE RATES OF INTEREST. RAILROAD COMMUNITY CREDIT UNION, AN ALABAMA STATE CHARTERED CREDIT UNION, PROVIDES THESE SERVICES TO ITS MEMBERS WHO ARE UNDER THE EXISTING EMPLOYER GROUP OF NORFOLK SOUTHERN, CITY OF IRONDALE AND MORRIS SHEA BRIDGE, AND RESIDENTS OR PERSONS WORKING OR ATTENDING SCHOOL WITHIN JEFFERSON, BLOUNT, ST. CLAIR, SHELBY, WALKER AND TUSCALOOSA COUNTIES. AS OF DECEMBER 31, 2025, THE CREDIT UNION HAD APPROXIMATELY 4,765 MEMBERS.
Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency
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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)
Sign In — Free (10 views/day)| 2025 | 2024 | Change | |
|---|---|---|---|
| Revenue | $3,501,290 | $3,084,830 | +0.1% |
| Expenses | $3,146,962 | $2,912,240 | +0.1% |
| Net Income | $354,328 | $172,590 | +1.1% |
Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics
Financial Distress Indicator
Liquidity & Cash Position
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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics
Sign In| Name | Title | Hours/Week | Role | Reportable Comp | Other Comp | Total |
|---|---|---|---|---|---|---|
| PATRICIA SHEETS | SUPERVISORY COMMITTEE MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| ANITA L AARON | SUPERVISORY COMMITTEE CHAIRPERSON | 1.00 |
Director
|
$0 | $0 | $0 |
| BRENDA ALDRIDGE | BOARD SECRETARY | 1.00 |
Director
|
$0 | $0 | $0 |
| MARSHALL W WALK | BOARD VICE CHAIRPERSON | 1.00 |
Director
|
$0 | $0 | $0 |
| MICHAEL L DARDEN | BOARD MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| MARY WADE-GREER | BOARD MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| ALVIN ASH JR | BOARD MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| FREDDY WILLIAMSON | BOARD MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| LINDA G BASS | SUPERVISORY COMMITTEE MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| SHARON M HAZELWOOD | CEO/PRESIDENT | 40.00 |
Officer
|
$115,940 | $23,432 | $139,372 |
| Year | Revenue | Expenses | Assets | Net Income |
|---|---|---|---|---|
| 2025 | $3,501,290 | $3,146,962 | $99,753,818 | $354,328 |
| 2024 | No data | No data | No data | No data |
| 2023 | $2,209,679 | $2,109,553 | $104,913,454 | $100,126 |
| 2022 | $1,723,193 | $1,508,767 | $109,116,520 | $214,426 |
| 2021 | $1,772,194 | $1,664,255 | $112,826,528 | $107,939 |
| 2020 | $2,217,603 | $2,192,218 | $112,106,768 | $25,385 |
| 2019 | $2,610,795 | $2,583,206 | $106,268,219 | $27,589 |
| 2018 | $2,346,773 | $2,308,560 | $105,747,027 | $38,213 |
Compare RAILROAD COMMUNITY CREDIT UNION with other nonprofits in Alabama and across the country.