Credit union · NCUA insured
Huntington C&O Railway EFCU
A $31.3M credit union headquartered in Huntington, WV, with 4,245 members and 1 branch in West Virginia. Best rates: CDs 2.16% and savings 0.10% APY.
Huntington C&O Railway EFCU Carrot Score
74
Carrot Score
Higher than 37% of U.S. banks and credit unions
#12 of 25 in Huntington, WV-KY-OH metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Huntington C&O Railway EFCU
Huntington C & O Railway Employees Federal Credit Union is a member-owned financial cooperative headquartered in Huntington, West Virginia.
- Headquarters
- 901 6th Ave, Huntington, WV 25701
- NCUA charter
- 24236
Branches
1 branch in West Virginia
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West Virginia
1 branch
- Main OfficeMain office901 6th Ave, Huntington, WV 25701Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 15.29% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 5.58% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.62% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $46 | $59 | — |
- CapitalNet worth ratio15.29%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late5.58%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.62%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$46Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Huntington C&O Railway EFCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.