Health Score
68/100
PlainCU 5-factor composite (NCUA 5300 Call Report)
Credit Union
RAILS WEST
Health Score
68/100
Total Assets
$76.6M
Members
7,538
Pocatello, Idaho
2026 data Public-data reference. official source
RAILS WEST
Open-data reference.
68
Health Score
Good
Charter #
490
NCUA-issued institution identifier
Source
NCUA
Quarterly 5300 Call Report — 2025Q4
RAILS WEST — Share Insurance Coverage
Composite supervisory bracket and risk-based capital are read from the NCUA Call Report. Member shares above $250,000 per ownership category sit outside the federal NCUSIF envelope.
RAILS WEST — Five Health Pillars
Each pillar is normalised onto a 0-100 scale so the bar lengths are directly comparable.
Health Pillars (0-100)
Net worth ratio vs. NCUA well-capitalized threshold 75.1%
At 11.26%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
$76.6M
Total Assets
7,538
Members
$39.5M
Total Loans
$66.8M
Total Deposits
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 11.26% | 30% |
| Delinquency Rate | 0.78% | 25% |
| Return on Assets | 0.00% | 15% |
| Member Growth | -2.87% | 15% |
| Loan-to-Share Ratio | 59.13% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About RAILS WEST
RAILS WEST is a federal credit union headquartered in Pocatello, Idaho, serving 7,538 members with $76.6M in total assets and $39.5M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 68/100 (Good), anchored by a net worth ratio of 11.26% — above the 7.0% threshold the NCUA uses to classify a credit union as "well capitalized" under Prompt Corrective Action rules. Charter #490 operates under peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
Loan book quality and earnings power round out the picture. The delinquency rate of 0.78% measures loans 60+ days past due against total loans outstanding — the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers. Return on assets comes in at 0.00%, reflecting the not-for-profit cooperative model where surplus earnings flow back to members as better rates and lower fees rather than to shareholders. The loan-to-share ratio of 59.13% indicates how aggressively member deposits are being deployed into lending, below the 60% band that typically signals under-deployed capital.
Every deposit account at RAILS WEST is federally insured by the National Credit Union Share Insurance Fund (NCUSIF) up to $250,000 per depositor, per ownership category — identical coverage to FDIC insurance at banks. Year-over-year membership changed by -2.87%, and the institution reports against the NCUA 5300 Call Report on a quarterly cadence, so the figures above reflect the 2025Q4 reporting period. This page is informational only and is not a recommendation, solicitation, or financial advice; credit union performance can change materially quarter to quarter, membership eligibility depends on the stated field of membership (currently: Community), and current deposit and loan rates should be verified directly with RAILS WEST before opening any account or borrowing.
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Related Financial Data
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is RAILS WEST financially healthy?
RAILS WEST has a financial health score of 68/100 (Good) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 11.26% and delinquency rate of 0.78%.
How does RAILS WEST compare to other credit unions?
RAILS WEST scores 68/100 on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (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?
Membership eligibility for RAILS WEST depends on its field of membership — currently: Community. Credit unions typically require a common bond such as employer, location, or association membership. Contact RAILS WEST directly for current membership requirements 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 11.26% 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.
Read our methodology — how this data is sourced, computed, and verified.