THE UNITED Credit Union Profile

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THE UNITED

Charter #21305 | NCUA Region 1 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (304) 598-5010

Fax: (304) 598-5019

Founding Date: N/A

Website: http://www.tufcu.org

Personnel & Operations

President: Raley, James

Manager: Ueltschy, Zachery

FT Employees: 23

PT Employees: 4

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 42

Branches: 4

Hours: Drive Thru M-F - 8:30am - 5:00pm, Saturday

Credit Union Profile Summary

THE UNITED is a FCU Credit Union. With a total of 5,954 members [1], this institution manages approximately $105,511,688 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 27.88% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 3.22% [1].

Financial Snapshot

Total Assets [1]
$105,511,688

Total economic resources.

Total Loans [1]
$72,000,158

Total value of outstanding loans.

Total Deposits [1]
$75,903,760

Total funds deposited by members.

Members [1]
5,954

Number of active members.

Performance Ratios

Net Worth Ratio [1]
27.88%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
0.84%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
94.86%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
-0.19%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
3.22%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
-2.49%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

3 Sunset Beach Rd

Morgantown, WV, 26508-4431

Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 4 branches reported by THE UNITED (Charter #21305).

Main Office

The United Federal Credit Union Main Office

Type: Corporate Office

3 Sunset Beach Rd

Morgantown, WV 26508-4431

Phone: (304) 598-5010

Services: Member Services, ATM, Drive-Thru

Open in Directions

Additional Branches

Morgantown

The United Federal Credit Union

Type: Branch Office

3467 University Ave Ste 100

Morgantown, WV 26505-3051

Phone: (304) 598-7838

Services: Member Services, ATM, Drive-Thru

Open in Directions

Mount Pleasant

The United Federal Credit Union

Type: Branch Office

6610 State Route 819

Mount Pleasant, PA 15666-3588

Phone: (724) 547-7130

Services: Member Services, ATM, Drive-Thru

Open in Directions

Uniontown

The United Federal Credit Union

Type: Branch Office

585 Morgantown Rd

Uniontown, PA 15401

Phone: (724) 438-5414

Services: Member Services, ATM, Drive-Thru

Open in Directions