Huntington C & O Railway Employees Federal Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.9 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 0.5 has resulted in Fair (4.4) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.7 and a net worth ratio of 12.9. Good liquidity 5.8, driven by a liquidity ratio of 53.8 percent and a “hot money” ratio of 3.2 percent.
Asset Mix:
Consumer loans (47%), home mtgs (6%), other (47%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
901 Sixth Avenue
Huntington, WV 25701
Huntington, WV 25701
Phone Number
(304) 522-7998
NCUA Charter Number
Website
Largest Competitors
Huntington, WV
Huntington, WV
Huntington, WV
Huntington, WV
Huntington, WV