Universal Federal Credit Union


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

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 1,827th largest credit union in the nation. It was established in 1935 and as of June of 2021, it had grown to 20 employees and 6,527 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.
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Health
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 - YTD0.09%
Return on Equity - YTD0.88%
Annual Interest Income$1.0MM
Assets and Liabilities
AssetsQ2 2021vs Q2 2020$96.8MM$87.8MM
LoansQ2 2021vs Q2 2020$26.4MM$24.0MM
DepositsQ2 2021vs Q2 2020$84.6MM$75.5MM
Equity CapitalQ2 2021vs Q2 2020$10.5MM$10.5MM
Loan Loss AllowanceQ2 2021vs Q2 2020$83.00K$107.00K
Unbacked Noncurrent LoansQ2 2021vs Q2 2020$38.00K$89.00K
Real Estate OwnedQ2 2021vs Q2 2020$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
0.90%$5k-48 Month Share Certificate
0.85%$5k-36 Month Share Certificate
0.60%$5k-24 Month Share Certificate
0.50%$5k-12 Month Share Certificate

Universal Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.90%$5k-48 Month IRA 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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