BlastPoint's Credit Union Scorecard
RAILS WEST
Charter #490 · ID
RAILS WEST has 6 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.51% above tier average
- + Net Interest Margin 0.53% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Members: Top 4.4% in tier
- + Total Deposits: Top 8.7% in tier
- + Total Assets: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.5% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,653
-3.5% YoY-0.4% QoQ
|
+5.0K |
2,625
-2.2% YoY
|
53,577
+7.1% YoY
|
33,089
+6.1% YoY
|
Top 4.4% in tier |
| Assets |
$75.6M
+1.4% YoY-1.0% QoQ
|
+$45.7M |
$29.9M
+1.1% YoY
|
$936.8M
+11.3% YoY
|
$547.7M
+7.8% YoY
|
Top 9.5% in tier |
| Loans |
$39.8M
-5.9% YoY-0.2% QoQ
|
+$24.0M |
$15.8M
-2.4% YoY
|
$777.6M
+12.0% YoY
|
$388.7M
+8.6% YoY
|
Top 10.6% in tier |
| Deposits |
$66.1M
-0.3% YoY-1.6% QoQ
|
+$40.6M |
$25.5M
+0.4% YoY
|
$812.6M
+12.3% YoY
|
$464.6M
+9.3% YoY
|
Top 8.7% in tier |
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| ROA |
1.2%
+13.3% YoY+0.8% QoQ
|
+0.5% |
0.7%
-731.4% YoY
|
0.6%
-15.0% YoY
|
0.7%
+273.4% YoY
|
70% |
| NIM |
4.5%
+6.7% YoY+2.0% QoQ
|
+0.5% |
3.9%
+3.8% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
72% |
| Efficiency Ratio |
75.7%
-1.4% YoY+0.8% QoQ
|
-5.7% |
81.4%
-2.4% YoY
|
73.1%
-2.3% YoY
|
79.1%
-3.3% YoY
|
44% |
| Delinquency Rate |
0.5%
-13.7% YoY+74.5% QoQ
|
-1.0 |
1.5%
-2.0% YoY
|
0.9%
-2.1% YoY
|
1.2%
-0.9% YoY
|
40% |
| Loan To Share |
60.2%
-5.6% YoY+1.4% QoQ
|
-1.0% |
61.2%
-3.0% YoY
|
85.6%
-1.1% YoY
|
68.0%
-1.7% YoY
|
48% |
| AMR |
$13,834
+1.1% YoY-0.7% QoQ
|
$-793 |
$14,627
-2.7% YoY
|
$24,176
+3.9% YoY
|
$19,418
+1.3% YoY
|
51% |
| CD Concentration |
3.0%
-4.2% YoY-4.6% QoQ
|
-21.4% |
24.4%
+4.2% YoY
|
27.1%
+1.8% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
12.1%
-5.5% YoY
|
7.9%
-2.9% YoY
|
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)