BlastPoint's Credit Union Scorecard
HUNTINGTON C & O RAILWAY EMPLOYEES
Charter #24236 · WV
HUNTINGTON C & O RAILWAY EMPLOYEES has 1 strength but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.61% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.88% below tier average
- - Delinquency rate 4.04% above tier average
- - Member decline: -4.2% YoY
- - Indirect Auto Concentration (%): Bottom 2.9% in tier
- - Loan Growth Rate: Bottom 5.3% in tier
- - Total Delinquency Rate (60+ days): Bottom 5.7% in tier
- - Net Charge-Off Rate: Bottom 6.4% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 63 that size in West Virginia.
- Shares and deposits -0.3% year over year ($25.9M in shares and deposits).
- Membership: 4,245 members, -4.2% vs a year ago.
- Delinquency rate 5.58%.
- Return on assets 0.61%.
- Efficiency ratio 85.01% vs a 88.77% peer average.
- Loan-to-share ratio 45.60% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,245
-4.2% YoY0% QoQ
|
+1.7K |
2,585
-1.7% YoY
|
5,079
-0.5% YoY
|
34,678
+6.6% YoY
|
81% |
| Assets |
$30.7M
+0.5% YoY-2.0% QoQ
|
+$380K |
$30.3M
+1.5% YoY
|
$71.2M
+3.6% YoY
|
$593.1M
+10.2% YoY
|
60% |
| Loans |
$11.8M
-22.0% YoY-7.5% QoQ
|
$-3.6M |
$15.5M
-1.7% YoY
|
$38.5M
+1.2% YoY
|
$418.6M
+10.1% YoY
|
56% |
| Deposits |
$25.9M
-0.3% YoY-2.7% QoQ
|
+$93K |
$25.8M
+1.1% YoY
|
$60.8M
+2.9% YoY
|
$504.8M
+10.3% YoY
|
60% |
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| ROA |
0.6%
-20.4% YoY-12.2% QoQ
|
-0.9% |
1.5%
+241.5% YoY
|
1.1%
+25.0% YoY
|
1.2%
+121.4% YoY
|
38% |
| NIM |
4.5%
-8.5% YoY-0.7% QoQ
|
+0.6% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
76% |
| Efficiency Ratio |
85.0%
+9.8% YoY+0.3% QoQ
|
-3.8% |
88.8%
-6.9% YoY
|
78.0%
+6.1% YoY
|
83.0%
-5.3% YoY
|
61% |
| Delinquency Rate |
5.6%
-2.4% YoY+2.6% QoQ
|
+4.0 |
1.5%
+2.1% YoY
|
1.4%
+1.7% YoY
|
1.3%
+2.6% YoY
|
Bottom 5.7% in tier |
| Loan To Share |
45.6%
-21.8% YoY-5.0% QoQ
|
-13.3% |
58.9%
-3.1% YoY
|
58.3%
-3.5% YoY
|
66.4%
-1.4% YoY
|
30% |
| AMR |
$8,882
-4.3% YoY-4.2% QoQ
|
$-6K |
$14,963
-6.8% YoY
|
$15,001
+0.4% YoY
|
$20,028
-0.9% YoY
|
22% |
| CD Concentration |
3.5%
-6.5% YoY-1.1% QoQ
|
-21.1% | 24.6% | 16.8% | 20.0% | 50% |
| Indirect Auto % |
35.6%
-19.2% YoY-6.5% QoQ
|
+22.0% | 13.6% | 1.9% | 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)