UNIVERSAL
Federal • Huntington, West Virginia • Est. 1935
Quick Facts
- Charter Number
- #785
- Type
- Federal
- Established
- 1935
- Headquarters
- Huntington, West Virginia 25702-1417
- Address
- 317 31st ST
- Branches
- 3
- ATMs
- 2
- Members
- 6,008
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
6,008 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | UNIVERSAL |
|---|---|
| Total Assets | $94.6M |
| Members | 6,008 |
| Loans Outstanding | $28.3M |
| Shares & Deposits | $83.1M |
| Net Worth | $12.7M |
| Net Worth Ratio | 13.47% |
| Loan-to-Share Ratio | 34.1% |
| Delinquency Rate | 0.17% |
| Net Income | +$347,010 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
3 locations · 2 ATMs
Main Office
Main Office317 31st ST
Huntington, WV 25702-1417
Mall Branch
117 Mall RD
Barboursville, WV 25504-1824
SMMC Branch
2828 1st Ave ste 103
Huntington, WV 25702
Who Can Join UNIVERSAL?
Membership Type: Community
Membership eligibility for UNIVERSAL may vary. Contact the credit union directly to confirm qualification requirements.
Contact UNIVERSAL 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. UNIVERSAL 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, UNIVERSAL has 6,008 members and a potential membership field of 10,000 people.
UNIVERSAL's net worth ratio is 13.47% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 13.5%, UNIVERSAL meets this threshold.
UNIVERSAL operates 3 branch locations and has access to 2 ATMs. The main office is located at 317 31st ST, Huntington, WV 25702-1417.
UNIVERSAL was established in 1935. It is a federal credit union chartered under charter number 785. The institution has been serving members for 91 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or UNIVERSAL. All financial data is for informational purposes only.