BlastPoint's Credit Union Scorecard
HUNTINGTON C & O RAILWAY EMPLOYEES
Charter #24236 · WV
HUNTINGTON C & O RAILWAY EMPLOYEES has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.01% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.02% below tier average
- - Delinquency rate 5.47% above tier average
- - Member decline: -8.0% YoY
- - Indirect Auto Concentration (%): Bottom 2.8% in tier
- - Total Delinquency Rate (60+ days): Bottom 3.4% in tier
- - Loan Growth Rate: Bottom 6.5% in tier
- - Member Growth Rate: Bottom 7.7% in tier
- - Net Charge-Off Rate: Bottom 9.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,415
-8.0% YoY-0.3% QoQ
|
+1.8K |
2,615
-1.9% YoY
|
5,083
-0.6% YoY
|
33,374
+5.7% YoY
|
82% |
| Assets |
$30.4M
-0.9% YoY+0.3% QoQ
|
+$302K |
$30.1M
+2.1% YoY
|
$69.7M
+5.0% YoY
|
$561.6M
+9.7% YoY
|
60% |
| Loans |
$13.9M
-18.9% YoY-6.2% QoQ
|
$-1.9M |
$15.8M
-1.3% YoY
|
$38.0M
-0.4% YoY
|
$397.0M
+8.8% YoY
|
59% |
| Deposits |
$25.8M
-1.6% YoY+0.2% QoQ
|
+$152K |
$25.7M
+1.4% YoY
|
$59.6M
+4.6% YoY
|
$477.3M
+9.7% YoY
|
60% |
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| ROA |
0.6%
-28.0% YoY-10.4% QoQ
|
-0.0% |
0.6%
+10.8% YoY
|
0.9%
+20.0% YoY
|
0.7%
+15.9% YoY
|
45% |
| NIM |
5.0%
-9.8% YoY-0.2% QoQ
|
+1.0% |
4.0%
+4.0% YoY
|
3.9%
+5.0% YoY
|
3.8%
+5.1% YoY
|
85% |
| Efficiency Ratio |
80.9%
+8.7% YoY+1.3% QoQ
|
-1.6% |
82.6%
-2.3% YoY
|
74.6%
-2.6% YoY
|
79.7%
-3.3% YoY
|
53% |
| Delinquency Rate |
7.0%
+19.0% YoY-3.3% QoQ
|
+5.5 |
1.6%
-3.1% YoY
|
1.4%
-22.3% YoY
|
1.3%
-2.1% YoY
|
Top 3.4% in tier |
| Loan To Share |
53.7%
-17.6% YoY-6.4% QoQ
|
-6.9% |
60.6%
-3.1% YoY
|
59.6%
-5.3% YoY
|
67.4%
-1.7% YoY
|
39% |
| AMR |
$8,996
-0.4% YoY-1.8% QoQ
|
$-6K |
$14,783
-1.4% YoY
|
$14,830
+1.4% YoY
|
$19,687
+2.0% YoY
|
23% |
| CD Concentration |
3.7%
-0.8% YoY-2.8% QoQ
|
-20.8% | 24.4% | 15.7% | 19.8% | 50% |
| Indirect Auto % |
39.9%
-7.8% YoY-4.9% QoQ
|
+26.1% | 13.8% | 2.1% | 7.8% | 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)