Huntington C & O Railway Employees Credit Union

Huntington C & O Railway Employees Credit Union is headquartered in Huntington and is the 23^rd largest credit union in the state of West Virginia. It is also the 2,867^th largest credit union in the nation. It was established in 1934 and as of December of 2011, it had grown to 12 employees and 5,472 members. Huntington C & O Railway Employees Credit Union's savings rates are 46% higher than the national average, and it boasts a 5-star health rating.

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Data for Q4 2011

Institution Statistics HUNTINGTON C & O RAILWAY EMPLOYEES NCUA # 24236 BankRate Report View Year Chartered 1934 Employees 12 Primary Regulator Assets and Liabilities Assets $31.36 million Loans $13.66 million Deposits $27.63 million Equity Capital $3.68 million Loan Loss Allowance $80,000 Unbacked Noncurrent Loans $67,000 Historic Data - December 2010 Assets $31.26 million Equity Capital $3.78 million Loan Loss Allowance $83,000 Unbacked Noncurrent Loans $180,000 Profit Margin - Quarterly Net Interest Margin 6.36% Return on Assets -0.32% Return on Equity -2.69% Interest Income $1.10 million Non-Interest Income $247,000

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Huntington C & O Railway Employees Credit Union had $67,000 in non-current loans and owned real-estate with $3.76 million in equity and loan loss allowances on hand to cover it. This gives Huntington C & O Railway Employees Credit Union a Texas Ratio of 1.78% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Huntington C & O Railway Employees Credit Union decreased significantly from 4.66% as of December 31, 2010 to 1.78% as of December 31, 2011, resulting in a positive change of 61.76%.This indicates that the balance sheet and financial strength for Huntington C & O Railway Employees Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Huntington C & O Railway Employees Credit Union has increased its total deposits by $163,000, resulting in 0.59% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Huntington C & O Railway Employees Credit Union has shown is average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Huntington C & O Railway Employees Credit Union has $31.36 million in assets with $3.76 million in equity, resulting in a capitalization level of 12.00%, which is above average.

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