BlastPoint's Credit Union Scorecard
RAILS WEST
Charter #490 · ID
RAILS WEST has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.54% above tier average
- + Net Interest Margin 0.18% above tier average
- + Total Members: Top 4.1% in tier
- + Total Deposits: Top 7.3% in tier
- + Total Assets: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.5% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,520
-2.5% YoY-0.2% QoQ
|
+4.8K |
2,676
+1.6% YoY
|
55,090
+6.4% YoY
|
33,913
+5.7% YoY
|
Top 4.1% in tier |
| Assets |
$78.5M
+2.3% YoY+2.5% QoQ
|
+$48.3M |
$30.2M
+1.3% YoY
|
$983.6M
+10.6% YoY
|
$578.3M
+9.0% YoY
|
Top 8.2% in tier |
| Loans |
$38.7M
-2.7% YoY-2.1% QoQ
|
+$23.4M |
$15.3M
-2.0% YoY
|
$811.6M
+10.9% YoY
|
$402.4M
+8.7% YoY
|
Top 10.6% in tier |
| Deposits |
$68.7M
+2.2% YoY+2.8% QoQ
|
+$43.0M |
$25.8M
+0.7% YoY
|
$856.3M
+10.5% YoY
|
$494.3M
+9.1% YoY
|
Top 7.4% in tier |
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| ROA |
0.7%
-27.0% YoY-42.1% QoQ
|
+0.5% |
0.1%
-77.6% YoY
|
0.7%
-6.6% YoY
|
0.4%
-39.2% YoY
|
54% |
| NIM |
4.2%
-4.1% YoY-6.8% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
3.6%
+1.6% YoY
|
3.8%
+4.1% YoY
|
66% |
| Efficiency Ratio |
84.7%
+9.2% YoY+11.8% QoQ
|
-6.0% |
90.6%
+6.5% YoY
|
76.8%
+3.1% YoY
|
84.6%
+2.8% YoY
|
57% |
| Delinquency Rate |
0.8%
+309.5% YoY-1.7% QoQ
|
-0.7 |
1.5%
+3.8% YoY
|
0.9%
-16.7% YoY
|
1.2%
+3.4% YoY
|
55% |
| Loan To Share |
56.3%
-4.8% YoY-4.9% QoQ
|
-2.2% |
58.5%
-3.0% YoY
|
83.5%
-0.7% YoY
|
65.6%
-1.4% YoY
|
47% |
| AMR |
$14,285
+3.0% YoY+1.2% QoQ
|
$-599 |
$14,884
-1.7% YoY
|
$24,684
+3.7% YoY
|
$19,920
+1.6% YoY
|
52% |
| CD Concentration |
4.1%
+28.3% YoY+6.9% QoQ
|
-20.1% | 24.3% | 27.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.8% | 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)