RAILS WEST
Federal • Pocatello, Idaho • Est. 1935
Quick Facts
- Charter Number
- #490
- Type
- Federal
- Established
- 1935
- Headquarters
- Pocatello, Idaho 83204-1450
- Address
- PO BOX 1450
- Branches
- 2
- ATMs
- 2
- Members
- 7,538
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
7,538 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | RAILS WEST |
|---|---|
| Total Assets | $76.6M |
| Members | 7,538 |
| Loans Outstanding | $39.5M |
| Shares & Deposits | $66.8M |
| Net Worth | $8.6M |
| Net Worth Ratio | 11.26% |
| Loan-to-Share Ratio | 59.1% |
| Delinquency Rate | 0.78% |
| Net Income | +$1,039,057 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
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.
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View Idaho RankingsFrequently Asked Questions
Yes. RAILS WEST is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, RAILS WEST has 7,538 members and a potential membership field of 15,000 people.
RAILS WEST's net worth ratio is 11.26% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 11.3%, RAILS WEST meets this threshold.
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 (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or RAILS WEST. All financial data is for informational purposes only.