Rails West Federal Credit Union

Overview / Commentary
4708 Yellowstone Ave
Chubbuck, ID 83202

Rails West Federal Credit Union is headquartered in Chubbuck and is the 18th largest credit union in the state of Idaho. It is also the 2,115th largest credit union in the nation. It was established in 1935 and as of June of 2023, it had grown to 22 employees and 8,108 members at 2 locations. Rails West Federal Credit Union has a B health rating.

Field of Membership Restrictions

Membership in Rails West Federal Credit Union is open to anyone through making a $20 donation to join the Bannock Humane Society. Membership is also open to employees and members of Belmont Care Center, Forced Air Systems, KPKY Radio, and over 50 area select organizations.
See current membership details

Reviews (1)


Posted by: |

RailsWest has become like a bank with its predatory application of transaction processing order. I have not had a single teller able to tell me the daily process order for transactions. Most banks it is largest to smallest without concern if it is a debit or credit., Granted some will do debit first then credit, but to not know, and worse yet, to seemingly change based on what will generate the greatest fees is disconcerting. I have had issues with them forcing he waiving of Reg CC rules in order to use their remote deposit feature then placing holds on those funds that rival the 60's in duration.
Their website is either deliberately misleading or never updated. In the FAQ it says they Follow Regulation CC guidelines for Remote Deposit, but the actually policy states quite the opposite. However, they can not even stay consistent with complying with what is within their official policy.
Two words.... SEEK ANOTHER, (Lender, Check account provider, savings provider, financial service provider)

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Rails West Federal Credit Union has a relatively low asset base.

Health Grade Components

NCUA #490
Year Chartered1935
Primary Regulator
Profit Margin
Return on Assets - YTD0.57%
Return on Equity - YTD6.75%
Annual Interest Income$1.4MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$74.5MM$79.5MM
LoansQ2 2023vs Q2 2022$42.3MM$40.1MM
DepositsQ2 2023vs Q2 2022$67.1MM$72.2MM
Equity CapitalQ2 2023vs Q2 2022$6.4MM$6.2MM
Loan Loss AllowanceQ2 2023vs Q2 2022$0$106.00K
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$71.00K$177.00K
Real Estate OwnedQ2 2023vs Q2 2022$0$0

Rates for Rails West Federal Credit Union are currently being reviewed.


Rails West Federal Credit Union Locations
Branch Office751 E Clark StPocatello, ID 83201-6238
Branch Office4708 Yellowstone AveChubbuck, ID 83202-2336

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