UNIVERSAL
Huntington, WV · Federal Credit Union · Chartered in WV
Who can join
Occupational / select employee group
Members
5,929
Net Worth Ratio
13.19%
min. 7% = Well Capitalized
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
At a Glance
Total Assets
$97.2M
Peer Group 4
Members
5,929
as of latest quarter
Net Worth Ratio
13.19%
Well Capitalized
Institution Profile
NCUAWebsite
Phone
Address
Chartered
Branch Locations
Membership Eligibility
Financial Snapshot
Total Assets
$97.2M
Total Shares
$85.5M
Total Loans
$27.1M
Net Worth Ratio
13.19%
≥7% = Well Capitalized
Members
5,929
Delinquency Rate (60d+)
0.03%
$8K
Loan-to-share ratio: 31.7%· healthy range 60–80%
Branch Locations
NCUAMain Office
317 31st ST, Huntington, WV, 25702-1417
M-F 9:00-5:00
Mall Branch
117 Mall RD, Barboursville, WV, 25504-1824
M-F 9:00-6:00 S 9:00-12:00
SMMC Branch
2828 1st Ave ste 103, Huntington, WV, 25702
M-F 9:30-5:00
Mortgage Lending (HMDA)
| Year | Applications | Originated | Denials | Orig. Rate | Denial Rate |
|---|---|---|---|---|---|
| 2023 | 12 | 12 | 0 | 100.0% | 0.0% |
| 2022 | 15 | 15 | 0 | 100.0% | 0.0% |
| 2021 | 26 | 24 | 2 | 92.3% | 7.7% |
Consumer Complaints
No CFPB complaint data available for this credit union.
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<a href="https://bankscorer.com/credit-union/universal" target="_blank" rel="noopener">View UNIVERSAL on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.