HUNTINGTON C & O RAILWAY EMPLOYEES
Charter #24236 | WV
<100M
(2596 CUs)
Micro
($0-$500M)
63 <100M in 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
|
Top 18.2% in tier |
| 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
|
60th in tier |
| 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
|
61st in tier |
| 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
|
60th in tier |
| 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
|
45th in tier |
| 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
|
54th in tier |
| 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
|
44th in tier |
| 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
|
Bottom 24.8% in tier |
| 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
|
50th in tier |
| Indirect Auto % |
42.0%
-4.3% YoY-4.7% QoQ
|
+28.0% |
14.0%
-5.8% YoY
|
2.3%
-13.6% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (3 metrics)
384
Net Interest Margin (NIM)
profitability
Value:
4.97%
Peer Avg: 3.93%
#384 of 2596
Top 14.8% in <100M tier
410
Members Per Employee (MPE)
engagement
Value:
491.889
Peer Avg: 365.701
#410 of 2596
Top 15.8% in <100M tier
473
Total Members
engagement
Value:
4,427
Peer Avg: 2,626
#473 of 2596
Top 18.2% in <100M tier
Top Weaknesses (6 metrics)
2533
Indirect Auto Concentration (%)
balance_sheet
Value:
41.97%
Peer Avg: 2.84%
#2533 of 2596
Bottom 2.5% in <100M tier
2508
Total Delinquency Rate (60+ days)
risk
Value:
7.27%
Peer Avg: 1.51%
#2508 of 2596
Bottom 3.4% in <100M tier
2414
Member Growth Rate
growth
Value:
-8.95%
Peer Avg: 14.92%
#2414 of 2596
Bottom 7.0% in <100M tier
2395
Loan Growth Rate
growth
Value:
-18.22%
Peer Avg: 59.01%
#2395 of 2596
Bottom 7.8% in <100M tier
2282
Net Charge-Off Rate
risk
Value:
1.14%
Peer Avg: 0.57%
#2282 of 2596
Bottom 12.1% in <100M tier
1953
Average Member Relationship (AMR)
engagement
Value:
$9,165
Peer Avg: $14,627
#1953 of 2596
Bottom 24.8% in <100M tier