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Overview / Commentary
481 8th Ave W
Huntington, WV 25701

Huntingtonized Credit Union is headquartered in Huntington and is the 30th largest credit union in the state of West Virginia. It is also the 3,232nd largest credit union in the nation. It was established in 1939 and as of March of 2014, it had grown to 15 employees and 4,313 members. Huntingtonized Credit Union has a C+ health rating.

Field of Membership Restrictions

Persons who live work, worship, or attend school in, and business and other legal entities located in Cabell and Wayne Counties in West Virginia, Boyd County in Kentucky, and Lawrence County, OH. - See Details

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Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Huntingtonized Credit Union has a low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Huntingtonized Credit Union had $529,000 in non-current loans and owned real-estate with $4.04 million in equity and loan loss allowances on hand to cover it. This gives Huntingtonized Credit Union a Texas Ratio of 13.11% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Huntingtonized Credit Union decreased dramatically from 19.88% as of March 31, 2013 to 13.11% as of March 31, 2014, resulting in a positive change of 34.05%.This indicates that the balance sheet and financial strength for Huntingtonized Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, Huntingtonized Credit Union has decreased its total deposits by $-812,000, resulting in -3.74% 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 Huntingtonized Credit Union has shown is below average.



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. Huntingtonized Credit Union has $24.81 million in assets with $4.04 million in equity, resulting in a capitalization level of 16.27%, which is excellent.

Institution Statistics

NCUA #3438
Year Chartered1939
Primary Regulator
Assets and Liabilities
Assets$24.81 million
Loans$16.79 million
Deposits$20.88 million
Equity Capital$3.78 million
Loan Loss Allowance$261,000
Unbacked Noncurrent Loans$489,000
Real Estate Owned$40,000
Historic Data - March 2013
Assets$25.26 million
Equity Capital$3.49 million
Loan Loss Allowance$202,000
Unbacked Noncurrent Loans$489,000
Real Estate Owned$116,000
Profit Margin - Quarterly
Net Interest Margin2.12%
Return on Assets1.77%
Return on Equity11.66%
Interest Income$377,000
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Huntingtonized Credit Union Savings Account Rates

0.15%--Roth IRA
0.15%--Education IRA
0.10%$2,500-Shares Savings
0.10%$2,500-Christmas Club
0.10%$2,500-Vacation Club

Huntingtonized Credit Union CD Rates

0.80%$5k-48 Month CD
0.65%$5k-36 Month CD
0.40%$5k-24 Month CD
0.25%$5k-12 Month CD
0.15%$5k-6 Month CD

Huntingtonized Credit Union Locations
Branch Office60 McGinnis DrWayne, WV 25570
Branch Office481 8th Ave WHuntington, WV 25701