Federal credit union · Huntington, West Virginia · NCUA charter #785
UNIVERSAL
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $94.6M
- Total assets
- 6,008
- Members
- 13.2%
- Net-worth ratio
UNIVERSAL scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $94.6M; members 6,008; net-worth ratio 13.19%; health rank #2,724 of 4,374; healthier than 36th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,724 of 4,374 health · 2025Q4UNIVERSAL · health 80/100 · $94.6M · 2025Q4
Call Report peers
UNIVERSAL in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
UNIVERSAL vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); UNIVERSAL sits in 80-84 with 767 others.
80 36th percentile higher than 36% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
UNIVERSAL: Call Report deltas vs peers
- Largest favorable gap: Delinquency Rate at 0.17% vs peer 0.96% (-0.79 pp).
- Largest lag: Loan-to-Share Ratio at 34.10% vs peer 62.60% (-28.50 pp).
West Virginia standing for UNIVERSAL
- In West Virginia, health place is #46 of 74 on the same NCUA-ratio sort used nationally.
- West Virginia assets place: #12 of 74.
- Member book place in West Virginia: #16 of 74.
- One place up in West Virginia, First Choice America Community (#45) ties at 80/100; one place down, W. Virginia State Convention (#47) ties at 80/100.
How UNIVERSAL's 5300 filing moved
UNIVERSAL: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.7% from $94.6M (2025Q4) to $97.2M (2026Q1).
- Net-worth ratio shifted -0.28 pp (13.47% → 13.19%).
At 13.19%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 80/100 score is built
UNIVERSAL gives up 20 points in total. Member Growth costs the most, 11.1 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 12.0 pts
- Member Growth 3.9 pts
- Loan-to-Share Ratio 9.1 pts
Call Report ratios for UNIVERSAL
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.19% | -0.43 pp |
| Delinquency Rate | 0.17% | -0.79 pp |
| Return on Assets | 0.30% | -0.35 pp |
| Member Growth | -2.85% | - |
| Loan-to-Share Ratio | 34.10% | -28.50 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Call Report history - UNIVERSAL
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $97.2M | - |
| 2025Q4 | $94.6M | 6,008 |
| 2024Q4 | $93.0M | 6,184 |
| 2023Q4 | $90.5M | 6,330 |
Credit Union Details
- Charter Number
- 785
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- West Virginia
- City
- Huntington
- Data Quarter
- 2025Q4
Branch Locations (3)
UNIVERSAL operates 3 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Huntington, WV |
| Mall Branch | Barboursville, WV |
| SMMC Branch | Huntington, WV |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in West Virginia
A look at other West Virginia credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Using this data
- UNIVERSAL ranks #2,724 of 4,374 nationally on financial health and #46 of 74 in WV -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- The State is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with The State
Frequently Asked Questions
Is UNIVERSAL financially healthy?
On its 2025Q4 NCUA 5300 filing, UNIVERSAL scores 80/100 (Excellent), with a 13.19% net worth ratio and 0.17% of loans delinquent. It ranks #2,724 of 4,374 nationally on health and #46 of 74 in West Virginia.
How does UNIVERSAL compare to other credit unions?
UNIVERSAL scores 80/100, higher than 36% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is delinquency rate (0.17% vs 0.96%). Its widest shortfall is loan-to-share ratio (34.10% vs 62.60%).
How can I join UNIVERSAL?
UNIVERSAL operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact UNIVERSAL directly for the exact boundaries and application steps.
Is my money safe at UNIVERSAL?
UNIVERSAL is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. UNIVERSAL's net worth ratio of 13.19% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.