Sep, 30, 2025 — HUNTINGTON C & O RAILWAY EMPLOYEES FEDERAL CREDIT UNION is a federal credit union headquartered in HUNTINGTON, WV with 1 branch location and about $30.35 million in total assets. Opened 92 years ago in 1934, HUNTINGTON C & O RAILWAY EMPLOYEES FEDERAL CREDIT UNION has about 4,427 members and employs 9 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | HUNTINGTON C & O RAILWAY EMPLOYEES FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 901 6th Ave HUNTINGTON, WV 25701 |
| Phone: | (304) 522-7998 |
| Fax: | (304) 525-3768 |
| Website: | https://www.c-ocreditunion.com |
| Branches: | 1 branch locations |
| Members: | 4,427 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 24236 |
|---|---|
| Membership Type: | Multiple common bond - Primarily transportation |
| Corporate Credit Union: | No |
| Year Opened: | 1934 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $30,352,094 |
| CEO/Manager: | Brian Whitlock |
| Chairperson: | Jerry E Chapman |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 2,538,561 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 1,754,239 |
| Unsecured Loans | 1,433,241 |
| Other Loans | 11,606,553 |
| TOTAL LOANS | 14,794,033 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -458,869 |
| Land And Building | 487,634 |
| Other Fixed Assets | 38,434 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 258,029 |
| All Other Assets | 56,619 |
| TOTAL ASSETS | 30,352,094 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 1,374 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 7,170 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 4,326,037 |
| Regular shares | 18,680,651 |
| All Other Shares & Deposits | 2,772,112 |
| TOTAL SHARES & DEPOSITS | 25,778,800 |
| TOTAL LIABILITIES | 25,787,344 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 4,564,750 |
| TOTAL EQUITY | 4,564,750 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 30,352,094 |
| INCOME & EXPENSE | |
| Loan Income | 727,320 |
| Investment Income | 446,897 |
| Other Income | 88,544 |
| Total Employee Compensation & Benefits | 470,292 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 574,296 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 110,367 |
| Cost of Funds | 40,154 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 152,399 |
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