Charter 490 · Pocatello, ID
Rails West Federal Credit Union
Rails West Federal Credit Union is a federally chartered credit union in Pocatello, Idaho, with $80.6 million in assets and 7,512 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 11.17%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $80.6 million
- +5.6% in a year
- Members
- 7,512
- -2.2% in a year
- Net worth ratio
- 11.17%
- Peer median 12.95%
- Loans 60+ days late
- 0.26%
- Peer median 0.67%
- Loans outstanding
- $39.2 million
- -1.6% in a year
- Shares and deposits
- $70.2 million
- +4.6% in a year
- Branches
- 3
- 24 employees
- Opened
- 1935
- Federal charter
How Rails West Federal Credit Union compares
NCUA groups credit unions by size; Rails West Federal Credit Union is in the group with $50 million to $100 million (573 credit unions). Its net worth ratio of 11.17% is lower than that group's median of 12.95%, and its share of loans 60 or more days past due, 0.26%, is lower than the group median of 0.67%. Loans fell 1.6% over the year to Q2 2026, against a group median of a 0.2% fall.
By assets it ranks 18 of 26 credit unions headquartered in Idaho. See all Idaho credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $80.6 million | 7,512 | $39.2 million | 11.17% | 0.26% |
| Q1 2026 | $78.5 million | 7,520 | $38.7 million | 11.16% | 0.76% |
| Q4 2025 | $76.6 million | 7,538 | $39.5 million | 11.26% | 0.78% |
| Q3 2025 | $75.6 million | 7,653 | $39.8 million | 11.12% | 0.46% |
| Q2 2025 | $76.4 million | 7,682 | $39.9 million | 10.71% | 0.26% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 15,000 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 2 sites for Rails West Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Chubbuck Office (main office)
4708 Yellowstone Ave, Chubbuck, ID 83202 - Clark Street Branch
751 E Clark St, Pocatello, ID 83201
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology