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Overview / Commentary
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 1,800th largest credit union in the nation. It was established in 1935 and as of December of 2017, it had grown to 20 employees and 8,209 members at 3 locations. Universal Federal Credit Union has an A 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.
See current membership details


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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

NCUA #785
Year Chartered1935
Primary Regulator
Profit Margin
Return on Assets - YTD0.11%
Return on Equity - YTD0.91%
Annual Interest Income$2.1MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$81.1MM$79.6MM
LoansQ4 2017vs Q4 2016$29.1MM$31.7MM
DepositsQ4 2017vs Q4 2016$69.1MM$68.1MM
Equity CapitalQ4 2017vs Q4 2016$10.2MM$10.2MM
Loan Loss AllowanceQ4 2017vs Q4 2016$88.00K$105.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$335.00K$431.00K
Real Estate OwnedQ4 2017vs Q4 2016$0$0
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Universal Federal Credit Union Savings Account Rates

0.50%$100-IRA Account
0.05%$100-Regular Shares
0.05%$100-Christmas Club Savings
0.05%--Club Ed Share

Universal Federal Credit Union CD Rates

0.80%--48 Month Share Certificate
0.65%--36 Month Share Certificate
0.40%--24 Month Share Certificate
0.20%--12 Month Share Certificate

Universal Federal Credit Union IRA Rates

1.00%--60 Month IRA Certificate

Universal Federal Credit Union Locations
Branch Office317 31st STHuntington, WV 25702-1417
Branch Office117 Mall RDBarboursville, WV 25504-1824
Branch Office2828 1st Ave ste 102Huntington, WV 25702