Federal credit union · Pocatello, Idaho · NCUA charter #490
Rails West
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $76.6M
- Total assets
- 7,538
- Members
- 11.2%
- Net-worth ratio
Rails West scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $76.6M; members 7,538; net-worth ratio 11.16%; health rank #2,131 of 4,374; healthier than 50th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,131 of 4,374 health · 2025Q4Rails West · health 84/100 · $76.6M · 2025Q4
- BOOK 84/100
- CHARTER 11.2%
- NCUSIF 0.78%
- CAMELS 1.13%
- HEALTH $76.6M
- NW 7,538
- DELQ #2,131/4,374
- ROA Greater Metro
- ASSETS 490
Call Report peers
Rails West in the assets neighbourhood
Rails West's $76.6M assets sit next to Greater Metro ($76.7M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Rails West vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
84 Top 50% higher than 50% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Rails West - Share Insurance Coverage
Charter #490's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Where Rails West diverges from peer averages
- Strongest edge vs 584 $50M–$100M peers is Return on Assets: +0.47 pp (1.13% vs 0.66%).
- Largest lag: Loan-to-Share Ratio at 59.13% vs peer 62.60% (-3.47 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Rails West: in-state Call Report ranks
- Health composite ranks #16 of 26 among scored Idaho credit unions.
- Idaho assets place: #18 of 26.
- Member book place in Idaho: #17 of 26.
In-state ordinals use the live credit_unions table for ID only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Rails West
Rails West: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.5% from $76.6M (2025Q4) to $78.5M (2026Q1).
- Net-worth ratio shifted -0.10 pp (11.26% → 11.16%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 11.16%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 84/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 84.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.2 pts
- Return on Assets 15.0 pts
- Member Growth 3.8 pts
- Loan-to-Share Ratio 13.0 pts
Rails West vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.16% | -2.46 pp |
| Delinquency Rate | 0.78% | -0.18 pp |
| Return on Assets | 1.13% | +0.47 pp |
| Member Growth | -2.87% | - |
| Loan-to-Share Ratio | 59.13% | -3.47 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $78.5M | - |
| 2025Q4 | $76.6M | 7,538 |
| 2024Q4 | $75.7M | 7,761 |
| 2023Q4 | $73.1M | 7,971 |
Credit Union Details
- Charter Number
- 490
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Idaho
- City
- Pocatello
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Rails West runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| Chubbuck Office (Main Office) | Chubbuck, ID |
| Clark Street Branch | Pocatello, ID |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Idaho
More federally-insured credit unions based in Idaho, ordered by peer group match and asset size.
Cross-state Call Report peers for Rails West
Cross-state asset and health neighbours for Rails West - kept outside Idaho; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($76.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (84/100 here).
Using this data
- Rails West ranks #2,131 of 4,374 nationally on financial health and #16 of 26 in ID -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Idaho United is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Idaho United
- Rates and health both vary by institution, not just by state -- see how Idaho credit unions compare overall before assuming this one is typical. Idaho state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Rails West financially healthy?
Rails West scores 84/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,131 of 4,374; by total assets it ranks #2,052 of 4,374 nationally (same basis as /rankings/largest); and #18 of 26 within Idaho. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 11.16% net worth ratio and a 0.78% delinquency rate.
How does Rails West compare to other credit unions?
84/100 is Rails West's score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Rails West?
Rails West operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Rails West directly for the exact boundaries and application steps.
Is my money safe at Rails West?
Federal credit unions like Rails West are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Rails West's net worth ratio of 11.16% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Rails West offer compared to banks?
Credit unions like Rails West are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Rails West directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.