Overview / Commentary
304-697-2919
317 31st ST
Huntington, WV 25702-1417

Universal Federal Credit Union is headquartered in Huntington and is the 11th largest credit union in the state of West Virginia. It is also the 1,833rd largest credit union in the nation. It was established in 1935 and as of September of 2018, it had grown to 20 employees and 7,271 members at 3 locations. Universal Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, attend school, worship, volunteer, or belong to an association in the counties of Cabell County, Mason County, Wayne County and Lincoln County in West Virginia, and Lawrence County in Ohio.
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Health
B+
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Universal Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #785
Year Chartered1935
Employees20
Primary Regulator
Profit Margin
Return on Assets - YTD0.24%
Return on Equity - YTD1.96%
Annual Interest Income$1.6MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$79.7MM$81.4MM
LoansQ3 2018vs Q3 2017$28.1MM$29.8MM
DepositsQ3 2018vs Q3 2017$67.5MM$69.5MM
Equity CapitalQ3 2018vs Q3 2017$10.3MM$10.2MM
Loan Loss AllowanceQ3 2018vs Q3 2017$74.00K$98.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$252.00K$471.00K
Real Estate OwnedQ3 2018vs Q3 2017$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Universal Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%$100-IRA Share “Savings” Account
0.05%$100-Share Savings Account
0.05%$100-Christmas Club Savings Account
0.05%--Club Ed Share “Savings” Account

Universal Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.40%$5k-48 Month Share Certificate
1.15%$5k-36 Month Share Certificate
0.80%$5k-24 Month Share Certificate
0.40%$5k-12 Month Share Certificate
Locations


Universal Federal Credit Union Locations
Branch Office317 31st STHuntington, WV 25702-1417
Branch Office117 Mall RDBarboursville, WV 25504-1824
Branch Office2828 1st Ave ste 103Huntington, WV 25702

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