Side-by-side · Q2 2026 data
Rails West Federal Credit Union vs Simplot Credit Union
Metric by metric
| Measure | Rails West Federal Credit Union | Simplot Credit Union |
|---|---|---|
| TellerScore | 77 | 86 (stronger) |
| Capital cushion | 62 | 100 (stronger) |
| Loan quality | 91 (stronger) | 90 |
| Earnings | 57 | 61 (stronger) |
| Funding & liquidity | 100 (stronger) | 79 |
| Problem-loan coverage | 97 | 98 (stronger) |
| Peer percentile | 57th | 80th |
| Total assets | $80.6M | $59.0M |
| Deposits / shares | $70.2M | $46.0M |
| Capital ratio | 11.17% | 21.92% (stronger) |
| Problem loans | 0.26% (stronger) | 0.30% |
| Net charge-offs | 0.17% (stronger) | 0.27% |
| Return on assets | 0.93% | 1.03% (stronger) |
| Loans ÷ deposits | 55.9% (stronger) | 81.0% |
| Uninsured deposits | 4.1% | 0.2% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.5% | — |
Simplot Credit Union has the higher TellerScore (86 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Rails West Federal Credit Union leads on 3 and Simplot Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.