RAILS WEST Credit Union Profile

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RAILS WEST

Charter #490 | NCUA Region 3 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (208) 232-5746

Fax: (208) 234-8640

Founding Date: N/A

Website: http://www.railswestcu.org

Personnel & Operations

President: Lamb, Jon

Manager: Contreras, Paul

FT Employees: 22

PT Employees: 3

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 52

Branches: 3

Hours: M-Th 9:00 AM - 5:30 PM F 9:00 AM - 6:00 PM

Credit Union Profile Summary

RAILS WEST is a FCU Credit Union. With a total of 7,682 members [1], this institution manages approximately $76,352,245 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 10.71% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -7.30% [1].

Financial Snapshot

Total Assets [1]
$76,352,245

Total economic resources.

Total Loans [1]
$39,865,350

Total value of outstanding loans.

Total Deposits [1]
$67,160,909

Total funds deposited by members.

Members [1]
7,682

Number of active members.

Performance Ratios

Net Worth Ratio [1]
10.71%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
1.19%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
59.36%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 3.36%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↓ -7.30%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↓ -3.63%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

4708 Yellowstone Ave

Chubbuck, ID, 83202-2336
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 3 branches reported by RAILS WEST (Charter #490).

Main Office

Chubbuck Office Main Office

Type: Corporate Office

4708 Yellowstone Ave

Chubbuck, ID 83202-2336

Phone: (208) 232-5746

Services: Member Services, ATM, Drive-Thru

Open in Directions

Additional Branches

Pocatello

Clark Street Branch

Type: Branch Office

751 E Clark St

Pocatello, ID 83201-6238

Phone: (208) 232-5746

Services: Member Services, ATM, Drive-Thru

Open in Directions

Old Town Branch

Type: Branch Office

216 W Whitman St

Pocatello, ID 83204-3367

Phone: (208) 232-5746

Services: Member Services, Drive-Thru

Open in Directions