2026-01-14T10:35:17-08:00 2023-12-31 Greg R Schmidt CPA 26 Cypress Pt Amarillo TX 79124 990 2023-01-01 850234701 Railroad Employees Credit Union RAIL 5058644740 300 N 6th St Belen NM 87002 Matt Soto CEO 5058644740 2025-12-10 true true Greg R Schmidt CPA P00850502 8552759297 2026-01-14 X 2023 2025-03-06 01:10:19Z Matt Soto 300 N 6th Belen NM 87002 3274320 false X N/A X 1955 NM New Mexico state chartered credit union providing financial services to its members as provided 5 5 13 0 108731 0 0 2346454 3260777 130124 0 93002 13543 2569580 3274320 0 0 768756 827601 0 0 1142516 2535388 1911272 3362989 658308 -88669 54817594 63728797 48344744 57344616 6472850 6384181 New Mexico state chartered credit union providing financial services to its members as provided false false State chartered credit union providing financial services to its members as provided by the New Mexico Credit Union Act. false false false false false false false false false true false false false true false false false false false false false false false false false false false false false false true false false false false false false false false false false false false true 850 0 13 true true true false false false false false X 5 5 false false false false true true false true true false false true true true true true true true true false X The organization 5058644740 300 N 6th St Belen NM 87002 Horacio R Padilla Chairperson 1.00 X X 0 0 0 James J Knecht Vice Chairperson 1.00 X X 0 0 0 Jim Davis Board Treasurer 1.00 X X 0 0 0 Amy Shields Board Member 1.00 X 0 0 0 Theresa Aguilar Board Member 1.00 X 0 0 0 Gerry Troyer CEO 40.00 X X 114832 0 0 114832 0 0 1 false false false Interest Income on Loans 522100 2417505 0 0 Fee Income 522100 843272 108731 0 3260777 Other Operating Income 522100 13543 13543 0 0 13543 3274320 3165589 108731 0 114832 114832 0 0 552892 552892 0 0 16520 16520 0 0 90445 90445 0 0 52912 52912 0 0 557 557 0 0 13666 13666 0 0 55350 55350 0 0 92027 92027 0 0 102816 102816 0 0 751506 751506 0 0 60601 60601 0 0 34035 34035 0 0 71985 71985 0 0 Dividends 937910 937910 0 0 Loan Servicing 80379 80379 0 0 Provision for Loan Loss 30497 30497 0 0 Annual Meeting 7257 7257 0 0 296802 296802 0 0 3362989 3362989 0 0 1237900 1265838 16197299 17751300 35087 72188 33795872 40930383 32737 64246 2586032 658144 1880173 1927888 1638526 1716954 54817594 63728797 525570 549852 47819174 56794764 48344744 57344616 X 6472850 6384181 6472850 6384181 54817594 63728797 -88669 X false false false 291022 291022 1443585 204946 1238639 851425 453198 398227 1927888 Member Deposits 56520275 Reserves 274489 56794764 Amy Shields Board Various X 20932 11923 false true true Gerry Troyer CEO Auto X 23696 22431 false true true Theresa Aguilar Board Various X 54120 37834 false true true 72188 Pt VI, Line 6 The credit union is owned by its members. Members own shares (deposits), elect board members and vote on significant issues. Pt VI, Line 7a The members of the credit union vote annually on the board of directors of the credit union. Pt VI, Line 11b Form 990 is prepared by an independent CPA and a copy is provided to the board of directors and the management team prior to filing. Pt VI, Line 12c The organization is subject to credit union regulations which requires disclosure and monitoring on a quarterly basis. Pt VI, Line 15a The board of directors conducts salary reviews and approves compensation for the CEO and the Manager positions. Pt VI, Line 15b The board of directors conducts salary reviews and approves compensation for the CEO and the Manager positions. Pt VI, Line 19 Forms 990 are available at the credit unions main location for inpection upon request.