BlastPoint's Credit Union Scorecard
RAILS WEST
Charter #490 · ID
RAILS WEST has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.27% above tier average
- + Total Members: Top 3.9% in tier
- + Total Deposits: Top 6.8% in tier
- + Total Assets: Top 7.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.55% below tier average
- - Member decline: -2.2% YoY
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 5 that size in Idaho.
- Shares and deposits +4.6% year over year ($70.2M in shares and deposits).
- Membership: 7,512 members, -2.2% vs a year ago.
- Delinquency rate 0.26%.
- Return on assets 0.94%.
- Efficiency ratio 81.26% vs a 88.77% peer average.
- Loan-to-share ratio 55.88% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,512
-2.2% YoY-0.1% QoQ
|
+4.9K |
2,585
-1.7% YoY
|
72,350
+37.4% YoY
|
34,678
+6.6% YoY
|
Top 3.9% in tier |
| Assets |
$80.6M
+5.6% YoY+2.6% QoQ
|
+$50.3M |
$30.3M
+1.5% YoY
|
$1.3B
+42.1% YoY
|
$593.1M
+10.2% YoY
|
Top 7.4% in tier |
| Loans |
$39.2M
-1.6% YoY+1.5% QoQ
|
+$23.8M |
$15.5M
-1.7% YoY
|
$1.1B
+44.8% YoY
|
$418.6M
+10.1% YoY
|
Top 10.5% in tier |
| Deposits |
$70.2M
+4.6% YoY+2.2% QoQ
|
+$44.4M |
$25.8M
+1.1% YoY
|
$1.1B
+40.5% YoY
|
$504.8M
+10.3% YoY
|
Top 6.9% in tier |
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| ROA |
0.9%
-20.5% YoY+36.6% QoQ
|
-0.6% |
1.5%
+241.5% YoY
|
0.8%
-11.7% YoY
|
1.2%
+121.4% YoY
|
58% |
| NIM |
4.2%
-4.7% YoY-0.3% QoQ
|
+0.3% |
3.9%
+0.9% YoY
|
3.6%
+0.7% YoY
|
3.8%
+2.3% YoY
|
64% |
| Efficiency Ratio |
81.3%
+8.1% YoY-4.0% QoQ
|
-7.5% |
88.8%
-6.9% YoY
|
77.8%
+6.1% YoY
|
83.0%
-5.3% YoY
|
51% |
| Delinquency Rate |
0.3%
+0.1% YoY-65.5% QoQ
|
-1.3 |
1.5%
+2.1% YoY
|
0.7%
-36.1% YoY
|
1.3%
+2.6% YoY
|
30% |
| Loan To Share |
55.9%
-5.9% YoY-0.7% QoQ
|
-3.0% |
58.9%
-3.1% YoY
|
87.8%
+3.1% YoY
|
66.4%
-1.4% YoY
|
46% |
| AMR |
$14,574
+4.6% YoY+2.0% QoQ
|
$-389 |
$14,963
-6.8% YoY
|
$26,672
+11.3% YoY
|
$20,028
-0.9% YoY
|
53% |
| CD Concentration |
5.4%
+73.1% YoY+31.2% QoQ
|
-19.1% | 24.6% | 31.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 14.2% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)