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
- 5,950
- Membership Type
- Community
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 6% and a delinquency rate below 3%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
5,950 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | THE UNITED |
|---|---|
| Total Assets | $107.6M |
| Members | 5,950 |
| Loans Outstanding | $70.5M |
| Shares & Deposits | $77.5M |
| Net Worth | $29.9M |
| Net Worth Ratio | 27.76% |
| Loan-to-Share Ratio | 91.0% |
| Delinquency Rate | 2.57% |
| Net Income | +$0 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
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.
Find More Credit Unions in West Virginia
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View West Virginia RankingsFrequently Asked Questions
THE UNITED is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, THE UNITED has 5,950 members and a potential membership field of 280,000 people.
THE UNITED's reported net worth ratio is 27.76% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
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 (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or THE UNITED. All financial data is for informational purposes only.