Compared with West Virginia
1 of 12
compared fees are above the median.
8 below, 3 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
NCUA 5300 call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee income
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee-income share of revenue
43rd percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the West Virginia median
of 12 compared; 8 below, 3 about the same
See the feesFee schedule read Oct 9, 2026
Call-report figures are for Huntington C & O Railway Employees Federal Credit Union, from NCUA 5300 call reports. Revenue is interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | NCUA 5300 call report Account 010 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Revenue | Revenue (interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 115 + Account 117 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee income | Fee income (NCUA 5300 Account 131) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 131 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee-income share of revenue | Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income) Year to date through the quarter. Median and percentile from each of 2,932 credit unions with under $300M in assets reporting a share above 0%, this one left out. | NCUA 5300 call report Account 131 / (Account 115 + Account 117) | Q2 2026 Year to date | Not recorded |
| Fees above the West Virginia median | Published fees above the West Virginia median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Huntington C & O Railway Employees Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 9, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 6.3% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (43rd percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Fee income was $26K in Q2 2026, 10% below the same quarter a year earlier ($29K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
1 of 12 compared published fees sit above the West Virginia median; 8 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with West Virginia medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $3, the middle of its prices
NSF / Returned Item
Wire Transfer (Domestic Out)
Each amount links to the fee schedule it was read from. Medians for West Virginia, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 13% from Q3 2025 to Q2 2026, to $26K. Its share of revenue, 6.3%, is below the 7.2% median for credit unions with under $300M in assets.
$26K
Huntington C & O Railway Employees Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 2,932 credit unions with under $300M in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $0 to $7.50; we compare the midpoint.
Huntington C & O Railway Employees Federal Credit Union · $31M in assets
The 25 credit unions closest in assets
Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 21 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Huntington C & O Railway Employees Federal Credit Union(this institution) | Huntington, WV | $31M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Alcon Employees Federal Credit Union | Fort Worth, TX | $30M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Bakersfield City Employees Federal Credit Union | Bakersfield, CA | $30M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Cincinnati Interagency Federal Credit Union | Cincinnati, OH | $31M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Community Financial Services Federal Credit Union | Roselle, NJ | $31M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Cusa Federal Credit Union | Covington, LA | $31M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| De Soto Mo Pac Federal Credit Union | De Soto, MO | $31M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Elca Federal Credit Union | Chicago, IL | $30M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Ferko Md Federal Credit Union | Frederick, MD | $30M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Financial Health Federal Credit Union | Indianapolis, IN | $30M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Area Federal Credit Union | Lewistown, PA | $30M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Gates Chili Federal Credit Union | Rochester, NY | $30M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Gateway Federal Credit Union | Springfield, OR | $31M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Iowa Heartland Federal Credit Union | Mason City, IA | $30M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| K.U.M.C. Federal Credit Union | Shawnee, KS | $31M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Kenowa Community Federal Credit Union | Wyoming, MI | $30M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Leominster Employees Federal Credit Union | Leominster, MA | $30M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Meridian Mississippi Ang Federal Credit Union | Meridian, MS | $31M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Neighborhood Community Federal Credit Union | Omaha, NE | $31M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Pinpoint Federal Credit Union | Milton, PA | $30M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Postal Family Federal Credit Union | Fargo, ND | $30M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sun Pacific Federal Credit Union | Richmond, CA | $30M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Tennessee Employees Federal Credit Union | Nashville, TN | $31M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Texas Community Federal Credit Union | Kingsville, TX | $30M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| United Energy Federal Credit Union | Humble, TX | $30M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Walton County Teachers Federal Credit Union | Defuniak Springs, FL | $30M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 10 publish this fee(monthly maintenance)
15 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $3, the middle of its four prices, against a peer median of $5 among 10 publishing peers.
Its four checking prices are $0, $1, $5 and $7.50.
$3 is a comparison price, not a fee anyone is charged.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 18, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 18, 2026. Total assets from FDIC and NCUA records.
Call reports for Huntington C & O Railway Employees Federal Credit Union (credit union). Income lines are standalone quarters.
Fee income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $26K | $0 | 0.0% |
| Q1 2026 | $26K | $0 | 0.0% |
| Q4 2025 | $26K | −$4K | −13.3% |
| Q3 2025 | $30K | +$1K | +3.4% |
| Q2 2025 | $29K | −$1K | −3.3% |
| Q1 2025 | $30K | −$3K | −9.1% |
| Q4 2024 | $33K | −$2K | −5.7% |
| Q3 2024 | $35K | $0 | 0.0% |
Financial cohort: 3,250 credit unions with under $300M in assets filing for Q2 2026; 2,932 reported a share above 0% and are counted, Huntington C & O Railway Employees Federal Credit Union left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Huntington C & O Railway Employees Federal Credit Union by share.
Amounts from Huntington C & O Railway Employees Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per hour
per month
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Elite Share Draft Checking Monthly service charge | $7.50Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Maintenance Fee | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Monthly service charge | $1Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Charge | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research - Per Hour | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Share Draft Checking Paper Statements (monthly) | $2Inside the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
Overdraft & NSF | |||
| Insufficient Funds | $27Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Returned Draft - NSF | $27Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Returned Draft - Unpaid | $27Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Overdraft Protection Transfer | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| Replacement Card Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| WIRE TRANSFER: Outgoing | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| WIRE TRANSFER: Incoming | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Stop Payment Fee | $20Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment Fee | $10Below the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment Fee (ACH) | $20Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Temporary Checks (book of 8) | $5Above the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Copy of a Paid Check | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Copy of a Paid Draft | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| Online Bill Pay | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Account Services | |||
| Notary Public Service | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Key Replacement | $35Not compared: Box drilling or key fee | Not stated | None |
Oct 9, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Huntington C & O Railway Employees Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
1 office in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Huntington, WV | 1 |
Largest competitors nearby
Local market: Cabell and Wayne counties, WV, around its headquarters.
| 23 in its local market | Deposit share |
|---|---|
| JPMorgan Chase Bank, National Association | 14.5% |
| United Bank | 12% |
| Truist Bank | 11.8% |
| Huntington Federal Savings Bank | 11.8% |
| City National Bank of West Virginia | 11.5% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
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