credit union · NCUA 490 · ID
How big is RAILS WEST?
RAILS WEST (ID, NCUA charter 490) reported total assets of $80.6M, 7,512 members and a net worth ratio of 11.17% in its Call Report for 2026Q2. That ranks 2003 of 4,299 federally insured credit unions by assets, 183 of 573 among credit unions with $50m-$100m in assets, 18 of 26 credit unions in idaho.
What stands out
RAILS WEST (ID, NCUA charter 490) reported total assets of $80.6M, 7,512 members and a net worth ratio of 11.17% in its Call Report for 2026Q2. That ranks 2003 of 4,299 federally insured credit unions by assets, 183 of 573 among credit unions with $50m-$100m in assets, 18 of 26 credit unions in idaho. Against its size class: net worth ratio 11.17%, below the peer median of 12.95%; loan-to-share ratio 55.88%, below the peer median of 60.93%; return on assets 0.93%, above the peer median of 0.73%. At 11.17% its net worth ratio is above the 7% NCUA threshold, which puts it in the "well capitalised" band of prompt corrective action; the regulator applies further tests, this page does not.
Key figures, 2026Q2
As filed with the NCUA; ratios computed by FACTANKER. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2026Q2 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $80.6M | $72.1M | $263.2M | $68.3M | record → |
| Shares and deposits | $70.2M | $61.4M | $235.4M | $58.3M | record → |
| Loans outstanding | $39.2M | $37.6M | $174.0M | $34.4M | record → |
| Net income (year to date) | $374.4k | $269.0k | $656.9k | $222.2k | record → |
| Net worth | $9.0M | $9.2M | $22.5M | $9.0M | record → |
| Net worth ratio | 11.17% | 12.95% | 9.86% | 12.65% | record → |
| Loan-to-share ratio | 55.88% | 60.93% | 86.97% | 68.70% | computed |
| Return on assets | 0.93% | 0.73% | 0.56% | 0.71% | computed |
| Members | 7,512 | 5,030 | 16,166 | 4,818 | record → |
Quarter by quarter
45 Call Reports on record, 2015Q2–2026Q2; the 40 most recent shown.
| Quarter | Total assets | Shares | Loans | Net income YTD | Net worth ratio | Members | Rank |
|---|---|---|---|---|---|---|---|
| 2026Q2 | $80.6M | $70.2M | $39.2M | $374.4k | 11.17% | 7,512 | 2003 |
| 2026Q1 | $78.5M | $68.7M | $38.7M | $135.3k | 11.16% | 7,520 | 2033 |
| 2025Q4 | $76.6M | $66.8M | $39.5M | $905.4k | 11.26% | 7,538 | 2052 |
| 2025Q3 | $75.6M | $66.1M | $39.8M | $679.8k | 11.12% | 7,653 | 2069 |
| 2025Q2 | $76.4M | $67.2M | $39.9M | $453.3k | 10.71% | 7,682 | 2069 |
| 2025Q1 | $76.8M | $67.3M | $39.8M | $179.9k | 10.29% | 7,715 | 2068 |
| 2024Q4 | $75.7M | $66.5M | $41.5M | $863.9k | 10.20% | 7,761 | 2070 |
| 2024Q3 | $74.5M | $66.3M | $42.3M | $585.9k | 9.99% | 7,932 | 2084 |
| 2024Q2 | $73.9M | $65.2M | $43.0M | $378.6k | 9.80% | 7,971 | 2100 |
| 2024Q1 | $74.1M | $65.7M | $41.9M | $182.2k | 9.50% | 7,969 | 2112 |
| 2023Q4 | $73.1M | $64.7M | $42.0M | $629.0k | 9.39% | 7,971 | 2120 |
| 2023Q3 | $72.7M | $65.0M | $42.9M | $439.4k | 9.18% | 8,010 | 2125 |
| 2023Q2 | $74.5M | $67.1M | $42.3M | $217.5k | 8.65% | 8,108 | 2115 |
| 2023Q1 | $76.9M | $69.5M | $41.5M | $75.9k | 8.20% | 8,142 | 2092 |
| 2022Q4 | $78.0M | $70.6M | $41.4M | $100.8k | 7.99% | 8,181 | 2081 |
| 2022Q3 | $79.4M | $72.2M | $40.8M | $27.1k | 7.82% | 8,258 | 2081 |
| 2022Q2 | $79.5M | $72.2M | $40.1M | $-18.7k | 7.75% | 8,314 | 2091 |
| 2022Q1 | $79.0M | $71.9M | $37.6M | $-21.1k | 7.80% | 8,436 | 2094 |
| 2021Q4 | $76.8M | $69.7M | $37.4M | $167.3k | 8.06% | 8,507 | 2104 |
| 2021Q3 | $75.2M | $68.1M | $38.5M | $174.4k | 8.23% | 8,659 | 2114 |
| 2021Q2 | $74.6M | $67.5M | $38.5M | $114.8k | 8.22% | 8,815 | 2112 |
| 2021Q1 | $74.2M | $67.1M | $37.8M | $56.9k | 8.18% | 8,840 | 2113 |
| 2020Q4 | $68.9M | $61.8M | $38.8M | $435.0k | 8.73% | 8,893 | 2134 |
| 2020Q3 | $66.9M | $60.1M | $39.1M | $361.8k | 8.88% | 8,998 | 2142 |
| 2020Q2 | $66.5M | $59.5M | $39.6M | $200.3k | 8.69% | 9,050 | 2133 |
| 2020Q1 | $62.2M | $55.9M | $40.2M | $61.3k | 9.07% | 9,055 | 2142 |
| 2019Q4 | $60.7M | $54.3M | $41.0M | $345.5k | 9.19% | 9,063 | 2137 |
| 2019Q3 | $60.1M | $53.6M | $41.3M | $254.7k | 9.14% | 9,183 | 2145 |
| 2019Q2 | $61.0M | $54.3M | $42.6M | $245.5k | 8.98% | 9,245 | 2139 |
| 2019Q1 | $60.9M | $54.1M | $43.4M | $132.8k | 8.81% | 9,274 | 2147 |
| 2018Q4 | $59.3M | $52.9M | $43.9M | $528.0k | 8.82% | 9,320 | 2144 |
| 2018Q3 | $58.1M | $52.0M | $43.8M | $363.3k | 8.73% | 9,438 | 2178 |
| 2018Q2 | $59.8M | $53.3M | $43.5M | $155.7k | 8.13% | 9,471 | 2155 |
| 2018Q1 | $59.9M | $53.8M | $42.8M | $43.7k | 7.93% | 9,472 | 2154 |
| 2017Q4 | $58.1M | $52.2M | $43.7M | $155.3k | 8.10% | 9,496 | 2160 |
| 2017Q3 | $58.5M | $52.7M | $43.4M | $119.9k | 7.98% | 9,612 | 2158 |
| 2017Q2 | $58.8M | $53.0M | $42.9M | $36.7k | 7.80% | 9,631 | 2168 |
| 2017Q1 | $61.0M | $55.4M | $42.1M | $10.7k | 7.48% | 9,613 | 2132 |
| 2016Q4 | $59.9M | $53.9M | $42.4M | $192.6k | 7.59% | 9,582 | 2126 |
| 2016Q3 | $58.0M | $52.6M | $42.3M | $114.2k | 7.71% | 9,655 | 2159 |
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