Huntington C & O Railway Employees Federal Credit Union
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 14.9 and a net worth ratio of 0.0. Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 0.8 has resulted in Good (6.7) profitability.
Other Rating Factors:
Good liquidity 6.2, driven by a liquidity ratio of 57.7 percent and a “hot money” ratio of 2.0 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Consumer loans (42%), home mtgs (5%), other (52%)
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