Rails West
Pocatello, ID · Charter 490 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$80.6MAssets
$39.2MLoans
$70.2MShares
$9.0MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 75% of credit unions under $1B in assets (rank 424 of 1682).
- Widest gap: equity / assets trails 66% of credit unions under $1B in assets (rank 1116 of 1683).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.93%
Rank 650 of 1,683
Net Interest Margin
4.12%
Rank 584 of 1,683
Efficiency Ratio
81.28%
Rank 996 of 1,682
Equity / Assets
11.17%
Rank 1,116 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.93% | 0.35% | 0.74% | 1.18% | Beats 61% | 650 / 1,683 | | |
| Return on Equity | 8.31% | 2.67% | 5.89% | 8.74% | Beats 72% | 471 / 1,681 | | |
| Net Interest Margin | 4.12% | 3.31% | 3.82% | 4.32% | Beats 65% | 584 / 1,683 | | |
| Efficiency Ratio | 81.28% | 68.91% | 78.20% | 86.93% | Beats 41% | 996 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.27% | 0.26% | 0.65% | 1.29% | Beats 75% | 424 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.17% | 10.44% | 12.89% | 16.53% | Beats 34% | 1,116 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.17% | 10.44% | 12.89% | 16.53% | Beats 34% | 1,116 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 55.88% | 52.61% | 69.38% | 83.50% | 29th pctl | 1,192 / 1,683 | | |
| Loans / Assets | 48.69% | 44.71% | 59.18% | 70.72% | 31st pctl | 1,155 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |