HUNTINGTON C & O RAILWAY EMPLOYEES
Charter #24236 · Huntington, WV · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 4,245 ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.61% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.19% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 5.44% sits at the 98th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.66% sits at the 90th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | HUNTINGTON C & O RAILWAY EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $31.28M | 64th pct | 57th pct |
| Members | 4,245 | 93th pct | 87th pct |
| Net worth ratio | 14.86% | 58th pct | 69th pct |
| Return on average assets | 0.70% | 53th pct | 44th pct |
| Net interest margin | 4.61% | 81th pct | 82th pct |
| Cost of funds | 0.19% | 13th pct | 25th pct |
| Loan-to-share | 47.98% | 33th pct | 41th pct |
| Delinquency 60+ days | 5.44% | 98th pct | 98th pct |
| Net charge-off ratio | 1.66% | 93th pct | 90th pct |
| Loan growth YoY | -13.72% | 2th pct | 2th pct |
| Share growth YoY | 3.19% | 58th pct | 52th pct |
| Efficiency ratio | 84.74% | 61th pct | 66th pct |
structural peer set hash: 113f0c7f8fe61e9bb34e759f6c4b692f… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.