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
- CHARTER 80/100
- NCUSIF 13.2%
- CAMELS 0.17%
- HEALTH 0.30%
- NW $94.6M
- DELQ 6,008
- ROA #2,724/4,374
- ASSETS FERGUSON
- MEM 785
Call Report peers
UNIVERSAL in the assets neighbourhood
UNIVERSAL's $94.6M assets sit next to FERGUSON ($94.6M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
80 36th percentile higher than 36% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
UNIVERSAL - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #785 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for WV only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How UNIVERSAL's 5300 filing moved
UNIVERSAL: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.7% from $94.6M (2025Q4) to $97.2M (2026Q1).
- Net-worth ratio shifted -0.28 pp (13.47% → 13.19%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 80.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
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
Cross-state asset and health neighbours for UNIVERSAL - kept outside West Virginia; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($94.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (80/100 here).
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
- Rates and health both vary by institution, not just by state -- see how West Virginia credit unions compare overall before assuming this one is typical. West Virginia state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is UNIVERSAL financially healthy?
Yes/no aside, the number is 80/100 (Excellent) - UNIVERSAL's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,724 of 4,374; by total assets it ranks #1,870 of 4,374 nationally (same basis as /rankings/largest); and #12 of 74 within West Virginia. Above 80 reads excellent, below 50 warrants closer monitoring; a 13.19% net worth ratio and 0.17% delinquency rate are the key drivers.
How does UNIVERSAL compare to other credit unions?
Five weighted metrics from NCUA filings produce UNIVERSAL's 80/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like UNIVERSAL are 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."
What rates does UNIVERSAL offer compared to banks?
Credit unions like UNIVERSAL are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact UNIVERSAL directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.