# RAILS WEST
Pocatello, ID · NCUA charter 490 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/rails-west-490

Who the members are: federal charter, multiple common bond, organized 1935, low-income designated. 7,520 members of 15,000 potential (50.1% of the field); checking penetration 55% (share draft accounts per 100 members); loans per 100 members 56.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $78.5M |
| Members | 7,520 (-2.5% YoY) |
| Full-time staff | 20 |
| Net worth | $8.8M |
| Net worth ratio | 11.2% (p32 of band) |
| ROA (annualized) | 0.69% (p50 of band) |
| Total delinquency | 0.76% (p59 of band) |
| Net charge-offs (annualized) | 0.19% (p45 of band) |
| Loans / shares | 56% (p42 of band) |
| Cash / assets | 43.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.18% (p79 of band) |
| Operating expense / assets | 4.42% (p77 of band) |
| Vehicles % of loans | 56% (p70 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.86% (p65 of band) |
| Vehicle NCO | 0.18% (p47 of band) |
| Repossessed % of vehicle book | 0.01% (p76 of band) |
| Real estate % of loans | 29% |
| Credit cards % of loans | 7% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 92% |
| Certificates % of member funds | 4% |
| Average share balance | $5,243 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 56% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $9,236 |
| Loans granted, annualized | $14.5M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 2 | expense trap |  |
| 2016-09 | 1 |  | expense trap |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | net worth falling |  |
| 2017-06 | 3 | delinquency 2x band, delinquency rising | net worth falling |
| 2017-09 | 3 |  |  |
| 2017-12 | 4 | assets shrinking |  |
| 2018-03 | 3 |  | assets shrinking |
| 2018-06 | 2 |  | delinquency rising |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 1 |  | thin capital |
| 2019-12 | 2 | delinquency rising |  |
| 2020-03 | 1 |  | delinquency rising |
| 2020-06 | 3 | thin capital, net worth falling |  |
| 2020-09 | 3 | margin squeeze | net worth falling |
| 2020-12 | 3 |  |  |
| 2021-03 | 4 | net worth falling |  |
| 2021-06 | 2 |  | delinquency 2x band, net worth falling |
| 2021-09 | 3 | members leaving |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 4 | net worth falling, losing money | margin squeeze |
| 2022-06 | 4 |  |  |
| 2022-09 | 2 |  | net worth falling, losing money |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 | assets shrinking | members leaving |
| 2023-09 | 2 | members leaving | thin capital |
| 2023-12 | 2 | delinquency rising | members leaving |
| 2024-03 | 1 |  | delinquency rising |
| 2024-06 | 1 | delinquency rising | assets shrinking |
| 2024-09 | 0 |  | delinquency rising |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | members leaving |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 | delinquency rising | members leaving |
| 2026-03 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-07 [Thunder vs. Rams baseball matchup to spotlight community celebration at new Rails West Field - Idaho State Journal](https://news.google.com/rss/articles/CBMilAJBVV95cUxNaUZKUkdmYzd0aDh4b0kwVXJUMkhINjg1bTZkWlQtSnpZVmY5dVhjR3FWZTE2LVRjUGRRSjZLWXU2QzZ4M1RtNlFHSHU1WEtSak5aaVFBenp2U3FuYzdfcUVwdmpodjZma2tsbWE0b1BNZ3hiQ2pjSmV1cldtTnZrZ0g3RlZpQmozenk1QmNicHp4UmRmY3lPOWc1V0dGVWxDSkJzWHlJbVBNeFpUTHFTdUVNVGhlODFyck1lYnA5Z2hWN1VKSXh4bmdwTGp0d1V0OURMSlhva0Z3Z1M1eWhvNENqY0lHTEM0aFBRSlJsN0RoQW1tdFczU0R2LURqdnN6THdBU3JMZnV3ckNCVnhnejAtYlc?oc=5) · Idaho State Journal
- 2025-05-22 [Ground broken on Rails West Field — Pocatello High’s future baseball field - eastidahonews.com](https://news.google.com/rss/articles/CBMirwFBVV95cUxQNDNac1BsbjZsUGVCVnQ0aXZJdW9pbjdqZ2tfVnJ6NHNGZmpXbjhIN1RqeFdaY3BJMnlEVy1ISnRvNDk4UzNMcWNRcEVWYXRkSnBtc1A1d0pqWFd6b2FYQ3VVSGVUVm9hUU5GdzFYenJmcHQ5LURXcEYyc19MN25vN1gyNjdrMzNqXzROdWM4Sk9feW1NZmdXalNLUTZvS2ozWnlwZll3Nmlxa3R4STJN?oc=5) · eastidahonews.com
- 2025-04-08 [America's Best Regional Banks and Credit Unions 2025 - Idaho - Newsweek Rankings](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPYlpKRkJEMHpWQVBSV1J2NUdPRHVmem5hLVBrSHF4NzdDT3ZtY3FOTzZCSWxkTEotOFY4TnJ2b2RXc2gzS3hxRmZZN1lzbVp5bXR3Z3ZxcUFXcEFFQldIaU94NW1GandSSjZaYVgtcUlDRUxoSDVsYWpqVG83bzhNZ0N0Y2RTejJRVmJV?oc=5) · Newsweek Rankings
- 2025-05-21 [HOME FIELD ADVANTAGE: Groundbreaking ceremony held for new Pocatello Thunder baseball field - Idaho State Journal](https://news.google.com/rss/articles/CBMikwJBVV95cUxNb0ZpSXF4SVBuWGNlOWxGWHZOVVJWMkYyN1NvVXNlUHJUVEh4QW1feEUxS1BVamF0TGVGWWp2QlpzVEtlTDhXNGtXc3RGM0Y5eTFmQU41SURPWV9ieThKY0tvSkJSQ3NEUzJpVVZaVkpPamZfZ3otTzJkWDhiUHBEVk1MR3dSMmFqTXM5Q0pLU2tCYVBDZHRFZUFUTGNHR0RZUHRick5rQ2ZnbW44YWE2LWVMM2xwVF80UTFRSjZmVF9zMTFfZFF5RnR3WXlqVFRJTlg4U2gzWi1wMUR6UmRYdnVGS25hRS0yc01DYkFCVUhTZUpzSEs0ZnJmSnp0ejdremp0VDFPWm1qb3lTaXY1YldzOA?oc=5) · Idaho State Journal
- 2014-09-13 [Matthew Steven Burk Obituary Sep 13, 2014 - Wilks Funeral Homes](https://news.google.com/rss/articles/CBMickFVX3lxTE5WaXYzRzU1d0N4U1dEZzIzeE83TFN3bU5ZYTluNW9oNlZFZlV4RDRlM3F4b2gxU3lYUjh2NW9mdmZzT1BLTUhmd2NuUEgtQWwzdW9obGdza0V0YllzTlVBSVhJVFFtUFNTMTVaSFV0TmNJQQ?oc=5) · Wilks Funeral Homes
- 2022-03-27 [Stuart Denney Obituary (1979 - 2022) - Pocatello, ID - Idaho State Journal - legacy.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxQc05aNTZQWEJpWGdlY09DMHNGZy1YZjlVWDVwM0JGUkxhd2E4aTM0Y3hGalcxZndNTzBoT2N5OXRtbHF4OXhEYWQzeFJxRnJ5eGJrTlVQWG4tX1NJaXZwZ1NuZ3dMT1ZBQWx6RnE1UWxrdkZqc200eXZvalNWMFdwQURQZGZ2aFQ5cURlM0Q0WHl5RU82RzFnUk1B?oc=5) · legacy.com
- 2025-05-21 [New Food Truck Fest coming to Pocatello - eastidahonews.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxOWWRkSlZ0NWVMSWI1MEdCWXBaSUFzanEzblItN0Jad0hrMjJ4STZYUzR3aE83bnBzbEU0ZU96QXJ2Mjd0cWZRY0tDNmx4Q1B0NklvaFlURU5iOVR5QzhnR2Q4VXhSeEdhZnRzZHZpWkd1aFBmMGpVeXE5cE5IMEdTT1I1d2E?oc=5) · eastidahonews.com
- 2016-11-10 [Pocatello High School alumni help former classmate with cancer - eastidahonews.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxOWk5RaWRIRk15VEJVMV8zRXNDeU8zUU5GSkI1VElsVGZBWTBXU0FwVWpKNFk3RU8xMTN5c1NCMlY2MHBuSG56bEFSZHp2cjl6U0VYaENBZ3JIeHZUOGxKaHh0TDJuRzZ2MXFXLWZqeWY1eFZObDdYX1VFUEhlT2tlOXRkNUpSMU5TaFFibnB2OGJPU0lnaG5rWUFRd1c?oc=5) · eastidahonews.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=490 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/42.json (key "490", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=490
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide