Side-by-side · Q2 2026 data
Rails West Federal Credit Union vs Idaho Central Credit Union
Metric by metric
| Measure | Rails West Federal Credit Union | Idaho Central Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 62 |
| Capital cushion | 62 (stronger) | 33 |
| Loan quality | 91 (stronger) | 85 |
| Earnings | 57 | 66 (stronger) |
| Funding & liquidity | 100 (stronger) | 57 |
| Problem-loan coverage | 97 (stronger) | 90 |
| Peer percentile | 57th | 42nd |
| Total assets | $80.6M | $15.5B |
| Deposits / shares | $70.2M | $13.6B |
| Capital ratio | 11.17% (stronger) | 8.33% |
| Problem loans | 0.26% (stronger) | 0.46% |
| Net charge-offs | 0.17% (stronger) | 0.34% |
| Return on assets | 0.93% | 1.15% (stronger) |
| Loans ÷ deposits | 55.9% (stronger) | 101.4% |
| Uninsured deposits | 4.1% (stronger) | 16.7% |
| Offices | 2 | 22 |
| CFPB complaints (3 yrs) | — | 93 |
| Complaints per $1B deposits | — | 6.9 |
| Mortgage denial rate (HMDA) | 9.5% | 17.8% |
Rails West Federal Credit Union has the higher TellerScore (77 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Rails West Federal Credit Union leads on 6 and Idaho Central Credit Union on 1. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Chubbuck, ID
- Pocatello, ID