Overview / Commentary
Universal Federal Credit Union is headquartered in Huntington and is the 12th largest credit union in the state of West Virginia. It is also the 1,871st largest credit union in the nation. It was established in 1935 and as of March of 2025, it had grown to 18 employees and 6,104 members at 3 locations. Universal Federal Credit Union has an A health rating.
Field of Membership Restrictions
Universal Federal Credit Union membership is open to those who live, work, attend school, worship, volunteer, or belong to an association in the counties of Cabell or Wayne County West Virginia or Lawrence County, Ohio.
See current membership details
Health
A
Data as of Q1 2025
Learn why bank health mattersAdditional 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 Chartered | 1935 |
| Employees | 18 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.34% |
| Return on Equity - YTD | 2.55% |
| Annual Interest Income | $720K |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $95.6MM$92.5MM |
| Loans | Q1 2025vs Q1 2024 | $31.2MM$31.1MM |
| Deposits | Q1 2025vs Q1 2024 | $84.3MM$81.3MM |
| Equity Capital | Q1 2025vs Q1 2024 | $12.7MM$11.2MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $85K$100K |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $37K$164K |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |