The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

The score has been essentially flat from Q2 2025 to Q2 2026 (78 → 77).

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size credit unions in Idaho

Yes. Rails West Federal Credit Union is a federally insured credit union (NCUA charter #490). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 4.1% of shares and deposits ($2.9M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 11.17%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Rails West Federal Credit Union lists 2 offices in 2 cities. Most locations:

• Chubbuck, ID (1)
• Pocatello, ID (1)

All branch addresses and map

In 2025, Rails West Federal Credit Union reported 24 home-loan applications under HMDA (LEI 2549003ODK1CMS9CMW53): 19 originated ($1,805,000 total), 2 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Rails West Federal Credit Union

Type

Federal credit union

NCUA charter #

490

RSSD ID

926472

Primary regulator

NCUA

Established

1935

Headquarters

Po Box 1450, Pocatello, ID 83204

Employees

24