IDAHO UNITED vs RAILS WEST
This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Credit union
IDAHO UNITED
Boise, ID
Health score
64.6
Total assets
$77.3M
Credit union
RAILS WEST
Pocatello, ID
Health score
69.7
Total assets
$80.6M
Answer first
Different strengths, no blanket winner
IDAHO UNITED leads on lending quality; RAILS WEST leads on financial health and capitalization and profitability. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Where each institution leads
Financial health
RAILS WEST
Higher TFS health score
Capitalization
RAILS WEST
Higher comparable capital ratio
Profitability
RAILS WEST
Higher return on assets
Lending quality
IDAHO UNITED
Lower problem-loan measure
Same-source detail
Financial metrics
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | IDAHO UNITED | RAILS WEST |
|---|---|---|
| TFS health score | 64.6/100 | 69.7/100Leads |
| Total assets | $77.3M | $80.6M |
| Total deposits / shares | $69.8M | $70.2M |
| Net worth ratio | 8.90% | 11.17%Leads |
| Return on assets | 0.55% | 0.93%Leads |
| Return on equity | 6.13% | 8.32%Leads |
| 60+ day delinquency | 0.02%Leads | 0.26% |
| Net charge-offs | 0.26% | 0.17%Leads |
| Efficiency ratio | — | — |
| Loan-to-deposit ratio | 86.46% | 55.88% |
| Asset growth (YoY) | — | — |
| Deposit / share growth (YoY) | — | — |
| Branches | 2 | 2 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
Branch and market overlap
IDAHO UNITED
2 branches
RAILS WEST
2 branches
Both institutions report branches in 1 state: ID.
CFPB complaint coverage
IDAHO UNITED
Unavailable
RAILS WEST
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
Regulatory-action context
IDAHO UNITED
0 in TFS registry
RAILS WEST
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
Health and profitability trend
| Quarter | IDAHO UNITED score | IDAHO UNITED ROA | RAILS WEST score | RAILS WEST ROA |
|---|---|---|---|---|
| 2026-Q1 | 59.4/100 | -0.04% | 62.2/100 | 0.69% |
| 2026-Q2 | 64.6/100 | 0.55% | 69.7/100 | 0.93% |
Keep watching
Watch either institution—or both
Get access to your dashboard watchlist and future financial-grade alerts.
Coverage boundaries
What this does not conclude
- • No product-rate, fee, or customer-service winner without product data.
- • Complaint comparisons appear only when both institutions have reviewed mappings and the same complete source window.
- • Regulatory actions are displayed separately and are not included in category scoring.
Related comparisons
Compare IDAHO UNITED with similar peers
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Every valid pair is viewable; pairs enter search automatically only when current data, comparability, and visitor interest meet the publication rules.