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
- 5,929
- 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 10% and a delinquency rate below 1%. 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
5,929 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | UNIVERSAL |
|---|---|
| Total Assets | $97.2M |
| Members | 5,929 |
| Loans Outstanding | $27.1M |
| Shares & Deposits | $85.5M |
| Net Worth | $12.8M |
| Net Worth Ratio | 13.19% |
| Loan-to-Share Ratio | 31.7% |
| Delinquency Rate | 0.04% |
| Net Income | +$0 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
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.
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
UNIVERSAL 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, UNIVERSAL has 5,929 members and a potential membership field of 10,000 people.
UNIVERSAL's reported net worth ratio is 13.19% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
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 (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or UNIVERSAL. All financial data is for informational purposes only.