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 0.57% above tier average
- + Net Interest Margin 0.54% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Members: Top 4.3% in tier
- + Total Deposits: Top 8.4% in tier
- + Total Assets: Top 9.1% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.9% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,538
-2.9% YoY-1.5% QoQ
|
+4.9K |
2,615
-1.9% YoY
|
54,272
+7.9% YoY
|
33,374
+5.7% YoY
|
Top 4.4% in tier |
| Assets |
$76.6M
+1.2% YoY+1.4% QoQ
|
+$46.5M |
$30.1M
+2.1% YoY
|
$970.0M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
Top 9.2% in tier |
| Loans |
$39.5M
-4.8% YoY-0.6% QoQ
|
+$23.8M |
$15.8M
-1.3% YoY
|
$802.2M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
Top 10.8% in tier |
| Deposits |
$66.8M
+0.6% YoY+1.1% QoQ
|
+$41.2M |
$25.7M
+1.4% YoY
|
$828.5M
+12.5% YoY
|
$477.3M
+9.7% YoY
|
Top 8.4% in tier |
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| ROA |
1.2%
+3.5% YoY-0.3% QoQ
|
+0.6% |
0.6%
+10.8% YoY
|
0.8%
+25.2% YoY
|
0.7%
+15.9% YoY
|
74% |
| NIM |
4.5%
+6.4% YoY+0.6% QoQ
|
+0.5% |
4.0%
+4.0% YoY
|
3.7%
+5.8% YoY
|
3.8%
+5.1% YoY
|
73% |
| Efficiency Ratio |
75.8%
-0.6% YoY+0.0% QoQ
|
-6.8% |
82.6%
-2.3% YoY
|
73.6%
-4.6% YoY
|
79.7%
-3.3% YoY
|
40% |
| Delinquency Rate |
0.8%
+68.2% YoY+69.2% QoQ
|
-0.8 |
1.6%
-3.1% YoY
|
0.9%
-20.4% YoY
|
1.3%
-2.1% YoY
|
52% |
| Loan To Share |
59.1%
-5.3% YoY-1.8% QoQ
|
-1.5% |
60.6%
-3.1% YoY
|
84.8%
-0.9% YoY
|
67.4%
-1.7% YoY
|
48% |
| AMR |
$14,111
+1.4% YoY+2.0% QoQ
|
$-671 |
$14,783
-1.4% YoY
|
$24,417
+3.6% YoY
|
$19,687
+2.0% YoY
|
52% |
| CD Concentration |
3.9%
+37.1% YoY+29.3% QoQ
|
-20.5% | 24.4% | 27.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.9% | 7.8% | 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)