TellerScore

Huntington C & O Railway Employees Federal Credit Union (NCUA charter #24236) is based in Huntington, West Virginia. Its Q2 2026 call report shows $30.7M in total assets and $25.9M in member shares and deposits and 1 office.

Huntington C & O Railway Employees Federal Credit Union has a TellerScore of 61 out of 100 (moderate) based on Q2 2026 data — higher than only 23% of its 2,479 credit unions with under $100 million in assets. Among 74 credit unions headquartered in West Virginia, it ranks 57th. Capital cushion contributes the most (100/100, 15.29%); loan quality contributes the least (0/100, 5.58%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.29%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 5.58%
Earnings45/100
Return on assets (annualized): 0.61%
Funding & liquidity100/100
Loans ÷ shares: 45.6% · 0.0% uninsured
Problem-loan coverage67/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 16.34%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (61 → 61).

TellerScore
545861Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202454
Q3 202457
Q4 202458
Q1 202557
Q2 202561
Q3 202560
Q4 202559
Q1 202661
Q2 202661
Net worth ratio
7.00%11.14%15.29%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.36%
Q3 202414.32%
Q4 202414.49%
Q1 202514.43%
Q2 202514.99%
Q3 202515.17%
Q4 202515.09%
Q1 202614.86%
Q2 202615.29%
Delinquent loans (60+ days)
5.35%6.31%7.27%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20245.78%
Q3 20245.35%
Q4 20245.91%
Q1 20255.89%
Q2 20255.72%
Q3 20257.27%
Q4 20257.03%
Q1 20265.44%
Q2 20265.58%
Return on assets
0.55%0.69%0.83%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.72%
Q3 20240.78%
Q4 20240.83%
Q1 20250.55%
Q2 20250.77%
Q3 20250.67%
Q4 20250.60%
Q1 20260.69%
Q2 20260.61%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202661$30.7M15.29%5.58%0.61%45.6%
Q1 202661$31.3M14.86%5.44%0.69%48.0%
Q4 202559$30.4M15.09%7.03%0.60%53.7%
Q3 202560$30.4M15.17%7.27%0.67%57.4%
Q2 202561$30.5M14.99%5.72%0.77%58.3%
Q1 202557$31.2M14.43%5.89%0.55%60.9%
Q4 202458$30.7M14.49%5.91%0.83%65.2%
Q3 202457$30.9M14.32%5.35%0.78%68.3%
Q2 202454$32.6M13.36%5.78%0.72%66.5%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio15.29%
56th
Problem loans5.58%
5th
Net charge-offs1.94%
6th
Return on assets0.61%
48th
Loans to deposits45.6%
70th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio16.3%
6th

Similar-size credit unions in West Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
Preston Federal Credit UnionCredit union Kingwood, WV81 out of 100, Strong$31.2M13.6%1.10%vs
Ibew 317 Federal Credit UnionCredit union Huntington, WV50 out of 100, Below average$29.6M11.1%4.71%vs
Alloy Federal Credit UnionCredit union Alloy, WV71 out of 100, Strong$29.6M14.7%1.83%vs
Wee Federal Credit UnionCredit union Parkersburg, WV62 out of 100, Moderate$29.0M13.2%2.56%vs
Mercer County W VA Teachers Federal Credit UnionCredit union Bluefield, WV56 out of 100, Moderate$28.3M9.3%1.88%vs
Chhe Federal Credit UnionCredit union Huntington, WV62 out of 100, Moderate$33.6M9.4%1.08%vs

Deposit insurance

Is my money safe at Huntington C & O Railway Employees Federal Credit Union?

Yes. Huntington C & O Railway Employees Federal Credit Union is a federally insured credit union (NCUA charter #24236). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 15.29%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Huntington C & O Railway Employees Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Huntington C & O Railway Employees Federal Credit Union
Type
Federal credit union
NCUA charter #
24236
RSSD ID
803395
Primary regulator
NCUA
Established
1934
Headquarters
PO Box 4127, Huntington, WV 25729
Employees
8

Quick answers

Huntington C & O Railway Employees Federal Credit Union: common questions

Is Huntington C & O Railway Employees Federal Credit Union NCUA insured?

Yes. Huntington C & O Railway Employees Federal Credit Union is a federally insured credit union (NCUA charter #24236). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Huntington C & O Railway Employees Federal Credit Union's TellerScore?

61 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Huntington C & O Railway Employees Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Huntington

InstitutionScoreAssetsCapitalProblem loansCompare
Kentucky Farmers Bank CorporationBank Catlettsburg, KY93 out of 100, Very strong$328.5M15.7%0.43%vs
Pace Federal Credit UnionCredit union Huntington, WV86 out of 100, Very strong$8.7M12.9%0.00%vs
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