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 1.04% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.01% below tier average
- - Delinquency rate 5.76% above tier average
- - Member decline: -8.9% YoY
- - Indirect Auto Concentration (%): Bottom 2.5% in tier
- - Total Delinquency Rate (60+ days): Bottom 3.4% in tier
- - Member Growth Rate: Bottom 7.0% in tier
- - Loan Growth Rate: Bottom 7.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,427
-8.9% YoY-0.0% QoQ
|
+1.8K |
2,625
-2.2% YoY
|
5,095
+0.6% YoY
|
33,089
+6.1% YoY
|
82% |
| Assets |
$30.4M
-1.7% YoY-0.5% QoQ
|
+$496K |
$29.9M
+1.1% YoY
|
$68.6M
+3.5% YoY
|
$547.7M
+7.8% YoY
|
60% |
| Loans |
$14.8M
-18.2% YoY-2.3% QoQ
|
$-974K |
$15.8M
-2.4% YoY
|
$38.2M
+0.9% YoY
|
$388.7M
+8.6% YoY
|
61% |
| Deposits |
$25.8M
-2.6% YoY-0.7% QoQ
|
+$324K |
$25.5M
+0.4% YoY
|
$58.7M
+3.0% YoY
|
$464.6M
+9.3% YoY
|
60% |
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| ROA |
0.7%
-12.5% YoY-12.6% QoQ
|
-0.0% |
0.7%
-731.4% YoY
|
1.0%
+49.4% YoY
|
0.7%
+273.4% YoY
|
45% |
| NIM |
5.0%
-8.0% YoY+0.8% QoQ
|
+1.0% |
3.9%
+3.8% YoY
|
3.9%
+3.9% YoY
|
3.7%
+5.0% YoY
|
Top 14.8% in tier |
| Efficiency Ratio |
79.9%
+7.1% YoY+3.2% QoQ
|
-1.5% |
81.4%
-2.4% YoY
|
72.7%
-3.2% YoY
|
79.1%
-3.3% YoY
|
54% |
| Delinquency Rate |
7.3%
+35.9% YoY+27.0% QoQ
|
+5.8 |
1.5%
-2.0% YoY
|
1.3%
-29.4% YoY
|
1.2%
-0.9% YoY
|
Top 3.4% in tier |
| Loan To Share |
57.4%
-16.0% YoY-1.6% QoQ
|
-3.8% |
61.2%
-3.0% YoY
|
60.8%
-6.8% YoY
|
68.0%
-1.7% YoY
|
44% |
| AMR |
$9,165
-0.0% YoY-1.2% QoQ
|
$-5K |
$14,627
-2.7% YoY
|
$14,844
+2.4% YoY
|
$19,418
+1.3% YoY
|
25% |
| CD Concentration |
3.8%
-23.1% YoY+1.0% QoQ
|
-20.6% |
24.4%
+4.2% YoY
|
16.2%
+7.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
42.0%
-4.3% YoY-4.7% QoQ
|
+28.0% |
14.0%
-5.7% YoY
|
2.3%
-13.6% YoY
|
7.9%
-2.9% YoY
|
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)