Overview / Commentary
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
Health
A
Data as of Q1 2025
Learn why bank health mattersAdditional 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 Chartered | 1935 |
| Employees | 22 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.94% |
| Return on Equity - YTD | 9.11% |
| Annual Interest Income | $858K |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $76.8MM$74.1MM |
| Loans | Q1 2025vs Q1 2024 | $39.8MM$41.9MM |
| Deposits | Q1 2025vs Q1 2024 | $67.3MM$65.7MM |
| Equity Capital | Q1 2025vs Q1 2024 | $7.9MM$7MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $200K$182K |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $74K$196K |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |