THE UNITED
Federal • Morgantown, West Virginia • Est. 1973
Quick Facts
- Charter Number
- #21305
- Type
- Federal
- Established
- 1973
- Headquarters
- Morgantown, West Virginia 26508-4431
- Address
- 3 Sunset Beach Rd
- Branches
- 4
- ATMs
- 4
- Members
- 5,944
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Below-average financial health. Net worth ratio may be approaching regulatory minimums. Members' deposits remain insured up to $250,000.
Financial Overview
Total Assets
Members
5,944 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | THE UNITED |
|---|---|
| Total Assets | $106.3M |
| Members | 5,944 |
| Loans Outstanding | $69.4M |
| Shares & Deposits | $76.4M |
| Net Worth | $29.7M |
| Net Worth Ratio | 27.98% |
| Loan-to-Share Ratio | 90.8% |
| Delinquency Rate | 3.45% |
| Net Income | +$1,138,268 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
4 locations · 4 ATMs
The United Federal Credit Union
Main Office3 Sunset Beach Rd
Morgantown, WV 26508-4431
The United Federal Credit Union
6610 State Route 819
Mount Pleasant, PA 15666-3588
The United Federal Credit Union
585 Morgantown Rd
Uniontown, PA 15401
The United Federal Credit Union
3467 University Ave Ste 100
Morgantown, WV 26505-3051
Who Can Join THE UNITED?
Membership Type: Community
Membership eligibility for THE UNITED may vary. Contact the credit union directly to confirm qualification requirements.
Contact THE UNITED directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View West Virginia RankingsFrequently Asked Questions
Yes. THE UNITED is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, THE UNITED has 5,944 members and a potential membership field of 280,000 people.
THE UNITED's net worth ratio is 27.98% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 28.0%, THE UNITED meets this threshold.
THE UNITED operates 4 branch locations and has access to 4 ATMs. The main office is located at 3 Sunset Beach Rd, Morgantown, WV 26508-4431.
THE UNITED was established in 1973. It is a federal credit union chartered under charter number 21305. The institution has been serving members for 53 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or THE UNITED. All financial data is for informational purposes only.