Rails West
Rails West is a credit union based in Pocatello, Idaho, established in 1935, with $79 million in total assets serving 7,520 members. By Trust Grade it ranks 8th of 26 credit unions we track in Idaho. Its net worth ratio of 11.2% trails most similarly sized credit unions (26th percentile), versus a Idaho median of 10%. It was profitable over the most recent period, with a 0.69% return on assets. No consumer complaints against Rails West appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Rails West compares to Idaho peers
How we graded Rails West
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (11.2% capital ratio)
- Profitable (ROA 0.69%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Rails West over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Rails West insured?
Yes. Rails West is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Rails West: frequently asked questions
Is Rails West a good credit union?
Rails West earns a Bankzia Trust Grade of A (92/100, "Excellent"), based on a financial-strength score of 92/100 (it has no CFPB complaints on record). Strongly capitalized (11.2% capital ratio); Profitable (ROA 0.69%).
Is Rails West NCUA-insured?
Yes. Rails West is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Rails West?
Rails West holds $79 million in total assets, ranking 8th of 26 credit unions we track in Idaho. It serves 7,520 members.
Does Rails West have CFPB complaints?
No CFPB complaints against Rails West appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
