Side-by-side · Q2 2026 data
Rails West Federal Credit Union vs Idaho United Credit Union
Metric by metric
| Measure | Rails West Federal Credit Union | Idaho United Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 66 |
| Capital cushion | 62 (stronger) | 39 |
| Loan quality | 91 | 99 (stronger) |
| Earnings | 57 (stronger) | 42 |
| Funding & liquidity | 100 (stronger) | 72 |
| Problem-loan coverage | 97 | 99 (stronger) |
| Peer percentile | 57th | 32nd |
| Total assets | $80.6M | $77.3M |
| Deposits / shares | $70.2M | $69.8M |
| Capital ratio | 11.17% (stronger) | 8.90% |
| Problem loans | 0.26% | 0.02% (stronger) |
| Net charge-offs | 0.17% (stronger) | 0.26% |
| Return on assets | 0.93% (stronger) | 0.55% |
| Loans ÷ deposits | 55.9% (stronger) | 86.5% |
| Uninsured deposits | 4.1% (stronger) | 16.5% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.5% | — |
Rails West Federal Credit Union has the higher TellerScore (77 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Rails West Federal Credit Union leads on 6 and Idaho United Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.