RAILS WEST
Charter #490 · Pocatello, ID · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 7,520 ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.24% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.18% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 42nd percentile but its structural peers at the 67th — a 25-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | RAILS WEST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $78.53M | 65th pct | 57th pct |
| Members | 7,520 | 84th pct | 77th pct |
| Net worth ratio | 11.16% | 32th pct | 38th pct |
| Return on average assets | 0.70% | 49th pct | 56th pct |
| Net interest margin | 4.24% | 78th pct | 75th pct |
| Cost of funds | 0.18% | 8th pct | 7th pct |
| Loan-to-share | 56.26% | 42th pct | 67th pct |
| Delinquency 60+ days | 0.76% | 59th pct | 51th pct |
| Net charge-off ratio | 0.19% | 44th pct | 28th pct |
| Loan growth YoY | -2.78% | 37th pct | 31th pct |
| Share growth YoY | 4.02% | 65th pct | 56th pct |
| Efficiency ratio | 84.67% | 64th pct | 59th pct |
structural peer set hash: cabaab1a7fb36fd92e3860956675a751… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.