Federal credit union · Huntington, West Virginia · NCUA charter #24236
Huntington C & O Railway Employees
Health score 56/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 56
- Health / 100
- $30.4M
- Total assets
- 4,415
- Members
- 15.1%
- Net-worth ratio
Huntington C & O Railway Employees - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #24236, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Huntington C & O Railway Employees - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)0
- Earnings (ROA)100
- Member growth0
- Liquidity (loan-to-share)76
Weighted composite: 56/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
15.09% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 15.09% | 30% |
| Delinquency Rate | 7.03% | 25% |
| Return on Assets | 0.84% | 15% |
| Member Growth | -8.04% | 15% |
| Loan-to-Share Ratio | 53.71% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Huntington C & O Railway Employees
4,415 members and $30.4M in total assets sit behind Huntington C & O Railway Employees, a federal credit union in Huntington, West Virginia, which posts a health score of 56/100 (Fair) on the five-factor composite, with $13.9M in outstanding loans as of Q4 2025 and a net worth ratio of 15.09% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #24236 in peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
7.03% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. Deposit deployment is captured by the 53.71% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.84% on net income of $256K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -8.04%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Community) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Huntington C & O Railway Employees financially healthy?
Huntington C & O Railway Employees has a financial health score of 56/100 (Fair) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 15.09% and delinquency rate of 7.03%.
How does Huntington C & O Railway Employees compare to other credit unions?
56/100 is Huntington C & O Railway Employees's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Huntington C & O Railway Employees are 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 15.09% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Huntington C & O Railway Employees offer compared to banks?
Credit unions like Huntington C & O Railway Employees are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Huntington C & O Railway Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.