BlastPoint's Credit Union Scorecard
HUNTINGTON C & O RAILWAY EMPLOYEES
Charter #24236 · WV
HUNTINGTON C & O RAILWAY EMPLOYEES has 2 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.55% above tier average
- + Net Interest Margin 0.54% above tier average
Key Concerns
Areas that may need attention
- - Delinquency rate 3.94% above tier average
- - Member decline: -10.7% YoY
- - Indirect Auto Concentration (%): Bottom 2.7% in tier
- - Member Growth Rate: Bottom 5.3% in tier
- - Total Delinquency Rate (60+ days): Bottom 5.3% in tier
- - Loan Growth Rate: Bottom 5.5% in tier
- - Net Charge-Off Rate: Bottom 7.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,245
-10.7% YoY-3.9% QoQ
|
+1.6K |
2,676
+1.6% YoY
|
5,081
-0.5% YoY
|
33,913
+5.7% YoY
|
81% |
| Assets |
$31.3M
+0.4% YoY+2.7% QoQ
|
+$1.1M |
$30.2M
+1.3% YoY
|
$71.0M
+4.1% YoY
|
$578.3M
+9.0% YoY
|
61% |
| Loans |
$12.8M
-21.4% YoY-8.0% QoQ
|
$-2.5M |
$15.3M
-2.0% YoY
|
$37.7M
-0.4% YoY
|
$402.4M
+8.7% YoY
|
58% |
| Deposits |
$26.6M
-0.3% YoY+2.9% QoQ
|
+$818K |
$25.8M
+0.7% YoY
|
$60.8M
+3.5% YoY
|
$494.3M
+9.1% YoY
|
60% |
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| ROA |
0.7%
+25.2% YoY+15.7% QoQ
|
+0.5% |
0.1%
-77.6% YoY
|
0.8%
-6.9% YoY
|
0.4%
-39.2% YoY
|
54% |
| NIM |
4.5%
-8.7% YoY-8.4% QoQ
|
+0.5% |
4.0%
+4.0% YoY
|
4.0%
+3.8% YoY
|
3.8%
+4.1% YoY
|
78% |
| Efficiency Ratio |
84.7%
+6.4% YoY+4.7% QoQ
|
-5.9% |
90.6%
+6.5% YoY
|
76.6%
+1.6% YoY
|
84.6%
+2.8% YoY
|
57% |
| Delinquency Rate |
5.4%
-7.6% YoY-22.5% QoQ
|
+3.9 |
1.5%
+3.8% YoY
|
1.3%
-25.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 5.3% in tier |
| Loan To Share |
48.0%
-21.2% YoY-10.7% QoQ
|
-10.5% |
58.5%
-3.0% YoY
|
57.8%
-4.2% YoY
|
65.6%
-1.4% YoY
|
33% |
| AMR |
$9,273
+2.7% YoY+3.1% QoQ
|
$-6K |
$14,884
-1.7% YoY
|
$14,840
-0.3% YoY
|
$19,920
+1.6% YoY
|
24% |
| CD Concentration |
3.5%
-3.2% YoY-3.7% QoQ
|
-20.8% | 24.3% | 15.9% | 19.8% | 50% |
| Indirect Auto % |
38.1%
-13.2% YoY-4.6% QoQ
|
+24.3% | 13.8% | 2.0% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)