Rails West Federal Credit Union Chubbuck, Idaho
Rails West Federal Credit Union is a federal credit union headquartered in Chubbuck, ID, established in 1935 (NCUA charter 490), and it is regulated and insured by the NCUA. At Q2 2026 it reported 7,512 members and total assets of $80.6M (up 5.6% from Q2 2025), the 18th largest of 26 credit unions headquartered in Idaho. Its net worth ratio was 11.17% at Q2 2026, in the well capitalized band.
Also written as Rails West FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 490
- Headquarters
- Chubbuck, ID
- Established
- 1935
- Total assets, Q2 2026
- $80.6M
- Assets vs Q2 2025
- +5.6%
- Members, Q2 2026
- 7,512
- Net worth ratio, Q2 2026
- 11.17%
- Latest call report
- Q2 2026, NCUA 5300 · Rails West Federal Credit Union call report
- Asset rank in state
- 18th of 26 in Idaho
- Routing number
- 324173707
- Branches
- 2
It has 170 fewer members than on June 30, 2025 (-2.2%). Its net worth ratio was up 0.46 percentage points from 10.71% on June 30, 2025. Used vehicle loans are its largest loan category, $17.4M of $39.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.26% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 11.17% net worth ratio is below that band's 14.31% median.
Frequently asked about Rails West Federal Credit Union
How big is Rails West Federal Credit Union?
At Q2 2026 it reported total assets of $80.6M and 7,512 members.
Where is Rails West Federal Credit Union headquartered?
It is headquartered in Chubbuck, ID, United States.
When was Rails West Federal Credit Union founded?
It was established in 1935, per NCUA records.
Is Rails West Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 490): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Rails West Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Rails West Federal Credit Union well capitalized?
Its net worth ratio was 11.17% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Rails West Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.26% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Rails West Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 55.88% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Chubbuck, ID 83202
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1935
- NCUA Charter #
- 490
- RSSD ID
- 926472
- Members
- 7,512
- Potential members
- 15,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 3 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 11.17% | 14.31% | 25th below |
| Return on assets Middle half of peers: 0.16% to 1.30% | 1.19% | 0.72% | 70th above |
| Return on equity Middle half of peers: 1.04% to 8.69% | 10.62% | 4.74% | 83rd top |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 4.16% | 3.93% | 60th above |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 77.94% | 79.83% | 54th above |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.18% | 0.78% | 88th top |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.26% | 0.86% | 81st top |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.35% | 4.70% | 32nd position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 55.88% | 58.92% | 45th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$80.6M total assets against $76.4M; $70.2M total shares and deposits against $67.2M; $39.2M total loans against $39.9M.
$9.0M net worth against $8.2M.
11.17% net worth ratio against 10.71%.
55.88% loan-to-share ratio against 59.36%.
0.26% delinquency ratio against 0.26%.
1.19% return on assets against 1.43%; 10.62% return on equity against 13.37%.
4.16% net interest margin against 4.42%.
7,512 members against 7,682.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 11.17% | 1.19% | 0.26% | 55.88% |
| March 31, 2026 | 11.16% | 0.69% | 0.76% | 56.26% |
| December 31, 2025 | 11.26% | 1.18% | 0.78% | 59.13% |
| September 30, 2025 | 11.12% | 1.20% | 0.46% | 60.20% |
| June 30, 2025 | 10.71% | 1.43% | 0.26% | 59.36% |
| March 31, 2025 | 10.29% | 0.94% | 0.19% | 59.08% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.