Rails West Federal Credit Union


Overview / Commentary
208-232-5746
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 2,068th largest credit union in the nation. It was established in 1935 and as of March of 2025, it had grown to 22 employees and 7,715 members at 2 locations. Rails West Federal Credit Union has an A 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

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Health
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

Overall
NCUA #490
Year Chartered1935
Employees22
Primary Regulator
Profit Margin
Return on Assets - YTD0.94%
Return on Equity - YTD9.11%
Annual Interest Income$858K
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$76.8MM$74.1MM
LoansQ1 2025vs Q1 2024$39.8MM$41.9MM
DepositsQ1 2025vs Q1 2024$67.3MM$65.7MM
Equity CapitalQ1 2025vs Q1 2024$7.9MM$7MM
Loan Loss AllowanceQ1 2025vs Q1 2024$200K$182K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$74K$196K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
Rates

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Locations


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

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