Sep, 30, 2025 — THE UNITED FEDERAL CREDIT UNION is a federal credit union headquartered in MORGANTOWN, WV with 4 branch locations and about $105.32 million in total assets. Opened 53 years ago in 1973, THE UNITED FEDERAL CREDIT UNION has about 5,957 members and employs 29 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | THE UNITED FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 3 Sunset Beach Rd MORGANTOWN, WV 26508-4431 |
| Phone: | (304) 598-5010 |
| Fax: | (304) 598-5019 |
| Website: | https://www.tufcu.org |
| Branches: | 4 branch locations |
| Members: | 5,957 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 21305 |
|---|---|
| Membership Type: | Multiple common bond - Primarily primary and fabricated metals |
| Corporate Credit Union: | No |
| Year Opened: | 1973 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $105,324,225 |
| CEO/Manager: | Zachery B Ueltschy |
| Chairperson: | James D Raley |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 5,582,590 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 48,935,934 |
| Unsecured Loans | 1,795,861 |
| Other Loans | 10,761,587 |
| TOTAL LOANS | 70,906,993 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -407,594 |
| Land And Building | 2,137,995 |
| Other Fixed Assets | 291,073 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 691,666 |
| All Other Assets | 693,214 |
| TOTAL ASSETS | 105,324,225 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 810 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 172,711 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 10,720,612 |
| Regular shares | 28,421,788 |
| All Other Shares & Deposits | 36,427,458 |
| TOTAL SHARES & DEPOSITS | 75,569,859 |
| TOTAL LIABILITIES | 75,743,380 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 29,580,845 |
| TOTAL EQUITY | 29,580,845 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 105,324,225 |
| INCOME & EXPENSE | |
| Loan Income | 2,866,840 |
| Investment Income | 808,535 |
| Other Income | 512,754 |
| Total Employee Compensation & Benefits | 1,216,920 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 1,282,202 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 327,293 |
| Cost of Funds | 1,168,391 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 611,587 |
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