The United Federal Credit Union is a federal credit union headquartered in Morgantown, West Virginia, in business for about 53 years. At the end of Q2 2026 it reported $109.2M in total assets and $78.9M in member shares and deposits, with 4 offices across 2 states.
The United Federal Credit Union has a TellerScore of 57 out of 100 (moderate) based on Q2 2026 data — higher than only 14% of its 1,341 credit unions with $100 million – $1 billion. Among 74 credit unions headquartered in West Virginia, it ranks 61st. Capital cushion contributes the most (100/100, 27.55%); loan quality contributes the least (0/100, 3.21%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (58 → 57).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 74 |
| Q3 2024 | 62 |
| Q4 2024 | 65 |
| Q1 2025 | 62 |
| Q2 2025 | 58 |
| Q3 2025 | 63 |
| Q4 2025 | 58 |
| Q1 2026 | 60 |
| Q2 2026 | 57 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 26.93% |
| Q3 2024 | 27.54% |
| Q4 2024 | 27.49% |
| Q1 2025 | 27.63% |
| Q2 2025 | 27.88% |
| Q3 2025 | 28.09% |
| Q4 2025 | 27.98% |
| Q1 2026 | 27.76% |
| Q2 2026 | 27.55% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.83% |
| Q3 2024 | 3.00% |
| Q4 2024 | 2.58% |
| Q1 2025 | 2.58% |
| Q2 2025 | 3.66% |
| Q3 2025 | 2.46% |
| Q4 2025 | 3.45% |
| Q1 2026 | 2.57% |
| Q2 2026 | 3.21% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.38% |
| Q3 2024 | 1.29% |
| Q4 2024 | 1.16% |
| Q1 2025 | 0.74% |
| Q2 2025 | 0.84% |
| Q3 2025 | 0.77% |
| Q4 2025 | 0.73% |
| Q1 2026 | 0.49% |
| Q2 2026 | 0.63% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 57 | $109.2M | 27.55% | 3.21% | 0.63% | 91.4% |
| Q1 2026 | 60 | $107.6M | 27.76% | 2.57% | 0.49% | 91.0% |
| Q4 2025 | 58 | $106.3M | 27.98% | 3.45% | 0.73% | 90.8% |
| Q3 2025 | 63 | $105.3M | 28.09% | 2.46% | 0.77% | 93.8% |
| Q2 2025 | 58 | $105.5M | 27.88% | 3.66% | 0.84% | 94.9% |
| Q1 2025 | 62 | $105.5M | 27.63% | 2.58% | 0.74% | 92.2% |
| Q4 2024 | 65 | $105.4M | 27.49% | 2.58% | 1.16% | 91.0% |
| Q3 2024 | 62 | $104.4M | 27.54% | 3.00% | 1.29% | 92.1% |
| Q2 2024 | 74 | $105.7M | 26.93% | 1.83% | 1.38% | 90.6% |
1,341 peers · $100 million – $1 billion
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in West Virginia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| One Community Federal Credit UnionCredit union Parkersburg, WV | 63 out of 100, Moderate | $100.9M | 10.9% | 1.15% | vs |
| Peoples Federal Credit UnionCredit union Nitro, WV | 68 out of 100, Moderate | $130.6M | 16.5% | 2.19% | vs |
| West Virginia Federal Credit UnionCredit union South Charlesto, WV | 88 out of 100, Very strong | $141.6M | 18.5% | 0.74% | vs |
| Star USA Federal Credit UnionCredit union Charleston, WV | 62 out of 100, Moderate | $153.0M | 10.6% | 0.98% | vs |
| Long Reach Federal Credit UnionCredit union Middlebourne, WV | 65 out of 100, Moderate | $193.2M | 9.9% | 1.08% | vs |
| Pioneer Appalachia Federal Credit UnionCredit union Charleston, WV | 76 out of 100, Strong | $245.2M | 11.3% | 0.07% | vs |
Deposit insurance
Is my money safe at The United Federal Credit Union?
Yes. The United Federal Credit Union is a federally insured credit union (NCUA charter #21305). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 5.6% of shares and deposits ($4.4M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.
The net worth ratio is 27.55%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
4 locations
Branches
The United Federal Credit Union lists 4 offices in 3 cities across 2 states. Most locations:
- Morgantown, WV (2)
- Mount Pleasant, PA (1)
- Uniontown, PA (1)
Identity & history
Profile
- Legal name
- The United Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 21305
- RSSD ID
- 485184
- Primary regulator
- NCUA
- Established
- 1973
- Headquarters
- 3 Sunset Beach Rd, Morgantown, WV 26508
- Employees
- 29
Quick answers
The United Federal Credit Union: common questions
Is The United Federal Credit Union NCUA insured?
Yes. The United Federal Credit Union is a federally insured credit union (NCUA charter #21305). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is The United Federal Credit Union's TellerScore?
57 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does The United Federal Credit Union have?
4 offices as of the latest NCUA data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Morgantown
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Wvu Employees Federal Credit UnionCredit union Morgantown, WV | 97 out of 100, Very strong | $67.8M | 22.8% | 0.23% | vs |
| Fayette Federal Employees Federal Credit UnionCredit union Uniontown, PA | 91 out of 100, Very strong | $19.8M | 14.3% | 0.41% | vs |
| Marion County School Employees Federal Credit UnionCredit union Fairmont, WV | 89 out of 100, Very strong | $9.9M | 20.7% | 0.53% | vs |
| Citizens Bank of Morgantown, Inc.Bank Morgantown, WV | 87 out of 100, Very strong | $52.6M | 18.8% | 0.09% | vs |
| Clear Mountain BankBank Bruceton Mills, WV | 83 out of 100, Strong | $1.0B | 13.1% | 0.30% | vs |
| Chessie Federal Credit UnionCredit union Cumberland, MD | 83 out of 100, Strong | $434.4M | 13.8% | 0.82% | vs |