Federal credit union · Huntington, West Virginia · NCUA charter #24236
Huntington C & O Railway Employees
Health score 56/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 56
- Health / 100
- $30.4M
- Total assets
- 4,415
- Members
- 14.9%
- Net-worth ratio
Huntington C & O Railway Employees scores 56/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $30.4M; members 4,415; net-worth ratio 14.86%; health rank #4,159 of 4,374; healthier than 5th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#4,159 of 4,374 health · 2025Q4Huntington C & O Railway · health 56/100 · $30.4M · 2025Q4
Call Report peers
Huntington C & O Railway Employees in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Huntington C & O Railway Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Huntington C & O Railway Employees sits in 55-59 with 115 others.
56 5th percentile higher than 5% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Huntington C & O Railway Employees vs $10M–$50M peers
- Strongest edge vs 1163 $10M–$50M peers is Return on Assets: +0.13 pp (0.84% vs 0.70%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -6.09 pp (53.71% vs 59.80%).
Huntington C & O Railway Employees: in-state Call Report ranks
- West Virginia health ordinal: #71 of 74.
- Assets rank #32 of 74 inside West Virginia ($30.4M reported).
- Member book place in West Virginia: #25 of 74.
- One place up in West Virginia, Alderson Fci (#70) scores 62/100, 6 points higher; one place down, City of Fairmont (#72) scores 54/100, 2 points lower.
Quarter path for Huntington C & O Railway Employees
Huntington C & O Railway Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.7% from $30.4M (2025Q4) to $31.3M (2026Q1).
- Net-worth ratio shifted -0.23 pp (15.09% → 14.86%).
14.86% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 56/100 score is built
Huntington C & O Railway Employees gives up 44 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 11.0 pts
Huntington C & O Railway Employees vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.86% | +0.00 pp |
| Delinquency Rate | 7.03% | +5.88 pp |
| Return on Assets | 0.84% | +0.13 pp |
| Member Growth | -8.04% | - |
| Loan-to-Share Ratio | 53.71% | -6.09 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $31.3M | - |
| 2025Q4 | $30.4M | 4,415 |
| 2024Q4 | $30.7M | 4,801 |
| 2023Q4 | $33.4M | 4,895 |
Credit Union Details
- Charter Number
- 24236
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- West Virginia
- City
- Huntington
- Data Quarter
- 2025Q4
Branch Location
Huntington C & O Railway Employees operates a single office in Huntington, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Huntington, WV |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in West Virginia
A look at other West Virginia credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for Huntington C & O Railway
Similar total assets
Using this data
- Huntington C & O Railway Employees ranks #4,159 of 4,374 nationally on financial health and #71 of 74 in WV -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- PRESTON is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with PRESTON
Frequently Asked Questions
Is Huntington C & O Railway Employees financially healthy?
On its 2025Q4 NCUA 5300 filing, Huntington C & O Railway Employees scores 56/100 (Fair), with a 14.86% net worth ratio and 7.03% of loans delinquent. It ranks #4,159 of 4,374 nationally on health and #71 of 74 in West Virginia.
How does Huntington C & O Railway Employees compare to other credit unions?
Huntington C & O Railway Employees scores 56/100, higher than 5% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is return on assets (0.84% vs 0.70%). Its widest shortfall is loan-to-share ratio (53.71% vs 59.80%).
How can I join Huntington C & O Railway Employees?
Huntington C & O Railway Employees operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Huntington C & O Railway Employees directly for the exact boundaries and application steps.
Is my money safe at Huntington C & O Railway Employees?
Huntington C & O Railway Employees is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Huntington C & O Railway Employees's net worth ratio of 14.86% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.