Rails West

Pocatello, ID · 1 · Charter #490 · www.railswestcu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$76.6M
28th percentile
Members
7,538
50th percentile
Total loans
$39.5M
27th percentile
Total shares
$66.8M
30th percentile

Profitability

Return on assets
1.36%
70th percentile
Net interest margin
4.46%
88th percentile
Efficiency ratio
73.95%
16th percentile
Non-interest income ratio
19.80%
63th percentile

Capital & Risk

Net worth ratio
11.26%
38th percentile
Delinquency rate
0.78%
47th percentile
Net charge-off rate
0.21%
65th percentile
Loan-to-share
59.13%
34th percentile

Growth

Member growth YoY
-2.87%
25th percentile
Asset growth YoY
1.18%
28th percentile
Loan growth YoY
-4.79%
18th percentile
Share growth YoY
0.58%
28th percentile

Operations

Members / branch
2,513
36th percentile
Assets / member
$10,166
15th percentile
Field of membership penetration
50.25%
90th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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