UNIVERSAL Credit Union Profile

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UNIVERSAL

Charter #785 | NCUA Region 1 | FCU
Low-Income Designation: No
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (304) 697-2919

Fax: (304) 522-3177

Founding Date: N/A

Website: http://www.universalfcu.com

Personnel & Operations

President: Smith, William

Manager: Hutchinson, Jason

FT Employees: 18

PT Employees: 5

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 34

Branches: 3

Hours: M-F 9:00-5:00

Credit Union Profile Summary

UNIVERSAL is a FCU Credit Union. With a total of 6,044 members [1], this institution manages approximately $97,371,752 in total assets [1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 12.9% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -5.33% [1].

Financial Snapshot

Total Assets [1]
$97,371,752

Total economic resources.

Total Loans [1]
$30,002,384

Total value of outstanding loans.

Total Deposits [1]
$86,061,813

Total funds deposited by members.

Members [1]
6,044

Number of active members.

Performance Ratios

Net Worth Ratio [1]
12.9%

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]
0.33%

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

Loan-to-Share Ratio [1]
34.86%

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

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 4.00%

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

Loan Growth (4Q) [1]
↓ -5.33%

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

Member Growth (4Q) [1]
↓ -3.09%

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

Headquarters Location & Map

Headquarters Address

317 31st ST

Huntington, WV, 25702-1417
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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 3 branches reported by UNIVERSAL (Charter #785).

Main Office

Main Office Main Office

Type: Corporate Office

317 31st ST

Huntington, WV 25702-1417

Phone: (304) 697-2919

Services: Member Services, ATM, Drive-Thru

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Additional Branches

Barboursville

Mall Branch

Type: Branch Office

117 Mall RD

Barboursville, WV 25504-1824

Phone: (304) 697-2919

Services: Member Services, ATM, Drive-Thru

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Huntington

SMMC Branch

Type: Branch Office

2828 1st Ave ste 103

Huntington, WV 25702

Phone: (304) 526-1047

Services: Member Services

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