TellerScore

Universal Federal Credit Union (NCUA charter #785) is based in Huntington, West Virginia. Its Q2 2026 call report shows $99.5M in total assets and $85.6M in member shares and deposits and 3 offices.

Based on its Q2 2026 filing, Universal Federal Credit Union scores 78/100, which we describe as strong. That is higher than 59% of 2,479 credit unions with under $100 million in assets. Among 74 credit unions headquartered in West Virginia, it ranks 30th. Its strongest component is funding & liquidity (100/100; 30% loans-to-deposits, 4% uninsured), and its lowest is earnings (38/100; 0.45%).

TellerScore · Q2 2026

Scorecard

Capital cushion80/100
Net worth ratio: 13.03%
Loan quality85/100
Loans 60+ days delinquent ÷ total loans: 0.46%
Earnings38/100
Return on assets (annualized): 0.45%
Funding & liquidity100/100
Loans ÷ shares: 30.3% · 4.0% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.92%

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 (77 → 78).

TellerScore
727781Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202472
Q3 202478
Q4 202479
Q1 202580
Q2 202577
Q3 202580
Q4 202581
Q1 202681
Q2 202678
Net worth ratio
7.00%10.23%13.47%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.09%
Q3 202413.34%
Q4 202413.34%
Q1 202513.06%
Q2 202512.90%
Q3 202513.27%
Q4 202513.47%
Q1 202613.19%
Q2 202613.03%
Delinquent loans (60+ days)
0.04%0.51%0.98%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.98%
Q3 20240.35%
Q4 20240.21%
Q1 20250.12%
Q2 20250.33%
Q3 20250.21%
Q4 20250.17%
Q1 20260.04%
Q2 20260.46%
Return on assets
0.28%0.37%0.45%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.29%
Q3 20240.28%
Q4 20240.31%
Q1 20250.34%
Q2 20250.32%
Q3 20250.36%
Q4 20250.36%
Q1 20260.31%
Q2 20260.45%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$99.5M13.03%0.46%0.45%30.3%
Q1 202681$97.2M13.19%0.04%0.31%31.7%
Q4 202581$94.6M13.47%0.17%0.36%34.1%
Q3 202580$95.5M13.27%0.21%0.36%35.0%
Q2 202577$97.4M12.90%0.33%0.32%34.9%
Q1 202580$95.6M13.06%0.12%0.34%37.0%
Q4 202479$93.0M13.34%0.21%0.31%38.7%
Q3 202478$92.3M13.34%0.35%0.28%39.2%
Q2 202472$93.6M13.09%0.98%0.29%38.5%

2,479 peers · Under $100 million in assets

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).

Capital ratio13.03%
40th
Problem loans0.46%
60th
Net charge-offs-0.01%
88th
Return on assets0.45%
39th
Loans to deposits30.3%
89th
Uninsured deposits4.0%
28th
Loan-loss reserves0.00%
37th
Texas ratio0.9%
67th

Similar-size credit unions in West Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
The State Credit UnionCredit union Charleston, WV90 out of 100, Very strong$95.3M19.1%0.25%vs
Members Choice Wv Federal Credit UnionCredit union Charleston, WV81 out of 100, Strong$93.6M21.6%1.03%vs
Camc Federal Credit UnionCredit union Charleston, WV98 out of 100, Very strong$80.3M28.3%0.01%vs
First Priority Federal Credit UnionCredit union Huntington, WV82 out of 100, Strong$74.8M12.5%1.14%vs
167th Tfr Federal Credit UnionCredit union Martinsburg, WV78 out of 100, Strong$72.5M10.7%0.44%vs
Wvu Employees Federal Credit UnionCredit union Morgantown, WV97 out of 100, Very strong$67.8M22.8%0.23%vs

Deposit insurance

Is my money safe at Universal Federal Credit Union?

Yes. Universal Federal Credit Union is a federally insured credit union (NCUA charter #785). 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 4.0% of shares and deposits ($3.4M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 13.03%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Universal Federal Credit Union lists 3 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Universal Federal Credit Union reported 13 home-loan applications under HMDA (LEI 54930007EJ1IS7U47Q27): 12 originated ($1,010,000 total), 1 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Universal Federal Credit Union
Type
Federal credit union
NCUA charter #
785
RSSD ID
802071
Primary regulator
NCUA
Established
1935
Headquarters
317 31st ST, Huntington, WV 25702
Employees
20

Quick answers

Universal Federal Credit Union: common questions

Is Universal Federal Credit Union NCUA insured?

Yes. Universal Federal Credit Union is a federally insured credit union (NCUA charter #785). 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 Universal Federal Credit Union's TellerScore?

78 out of 100 (Strong), 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 Universal Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Huntington

InstitutionScoreAssetsCapitalProblem loansCompare
Putnam School Employees Federal Credit UnionCredit union Eleanor, WV99 out of 100, Very strong$14.1M21.0%0.14%vs
Kentucky Farmers Bank CorporationBank Catlettsburg, KY93 out of 100, Very strong$328.5M15.7%0.43%vs
Pace Federal Credit UnionCredit union Huntington, WV86 out of 100, Very strong$8.7M12.9%0.00%vs
Liberty BankBank Ironton, OH82 out of 100, Strong$55.7M18.0%0.77%vs
First Priority Federal Credit UnionCredit union Huntington, WV82 out of 100, Strong$74.8M12.5%1.14%vs
F.C.I. Ashland Federal Credit UnionCredit union Ashland, KY81 out of 100, Strong$8.8M14.3%0.00%vs