Side-by-side · Q2 2026 data
Rails West Federal Credit Union vs Members Preferred Credit Union
Credit union
Members Preferred Credit Union
Idaho Falls, Idaho · Under $100 million in assets
Metric by metric
| Measure | Rails West Federal Credit Union | Members Preferred Credit Union |
|---|---|---|
| TellerScore | 77 | 87 (stronger) |
| Capital cushion | 62 | 100 (stronger) |
| Loan quality | 91 (stronger) | 66 |
| Earnings | 57 | 100 (stronger) |
| Funding & liquidity | 100 (stronger) | 77 |
| Problem-loan coverage | 97 (stronger) | 94 |
| Peer percentile | 57th | 83rd |
| Total assets | $80.6M | $62.9M |
| Deposits / shares | $70.2M | $50.0M |
| Capital ratio | 11.17% | 20.74% (stronger) |
| Problem loans | 0.26% (stronger) | 1.01% |
| Net charge-offs | 0.17% (stronger) | 2.49% |
| Return on assets | 0.93% | 2.50% (stronger) |
| Loans ÷ deposits | 55.9% (stronger) | 83.3% |
| Uninsured deposits | 4.1% | 0.0% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.5% | — |
Members Preferred Credit Union has the higher TellerScore (87 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Rails West Federal Credit Union leads on 3 and Members Preferred Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.