RAILS WEST
Federal • Chubbuck, Idaho • Est. 1935
Quick Facts
- Charter Number
- #490
- Type
- Federal
- Established
- 1935
- Headquarters
- Chubbuck, Idaho 83202-2336
- Address
- 4708 Yellowstone Ave
- Branches
- 2
- ATMs
- 2
- Members
- 7,520
- Membership Type
- Community
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 10% and a delinquency rate below 1%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
7,520 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | RAILS WEST |
|---|---|
| Total Assets | $78.5M |
| Members | 7,520 |
| Loans Outstanding | $38.7M |
| Shares & Deposits | $68.7M |
| Net Worth | $8.8M |
| Net Worth Ratio | 11.16% |
| Loan-to-Share Ratio | 56.3% |
| Delinquency Rate | 0.76% |
| Net Income | +$0 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
Branch Locations
2 locations · 2 ATMs
Chubbuck Office
Main Office4708 Yellowstone Ave
Chubbuck, ID 83202-2336
Clark Street Branch
751 E Clark St
Pocatello, ID 83201-6238
Who Can Join RAILS WEST?
Membership Type: Community
Membership eligibility for RAILS WEST may vary. Contact the credit union directly to confirm qualification requirements.
Contact RAILS WEST directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in Idaho
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View Idaho RankingsFrequently Asked Questions
RAILS WEST is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, RAILS WEST has 7,520 members and a potential membership field of 15,000 people.
RAILS WEST's reported net worth ratio is 11.16% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
RAILS WEST operates 2 branch locations and has access to 2 ATMs. The main office is located at 4708 Yellowstone Ave, Chubbuck, ID 83202-2336.
RAILS WEST was established in 1935. It is a federal credit union chartered under charter number 490. The institution has been serving members for 91 years.
Data sourced from the NCUA Quarterly Call Report (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or RAILS WEST. All financial data is for informational purposes only.