Sep, 30, 2025 — UNIVERSAL FEDERAL CREDIT UNION is a federal credit union headquartered in HUNTINGTON, WV with 3 branch locations and about $95.46 million in total assets. Opened 91 years ago in 1935, UNIVERSAL FEDERAL CREDIT UNION has about 6,025 members and employs 23 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | UNIVERSAL FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 317 31st ST HUNTINGTON, WV 25702-1417 |
| Phone: | (304) 697-2919 |
| Fax: | (304) 522-3177 |
| Website: | https://www.universalfcu.com |
| Branches: | 3 branch locations |
| Members: | 6,025 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 785 |
|---|---|
| Membership Type: | Multiple common bond - Primarily educational |
| Corporate Credit Union: | No |
| Year Opened: | 1935 |
| Last Audited: | Mar 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $95,457,014 |
| CEO/Manager: | Jason Hutchinson |
| Chairperson: | William Smith |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 5,624,730 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 8,193,573 |
| Unsecured Loans | 921,446 |
| Other Loans | 20,303,640 |
| TOTAL LOANS | 29,418,659 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -90,909 |
| Land And Building | 1,391,791 |
| Other Fixed Assets | 159,706 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 786,704 |
| All Other Assets | 0 |
| TOTAL ASSETS | 95,457,014 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 35,038 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | -1,477,442 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 15,386,706 |
| Regular shares | 56,503,116 |
| All Other Shares & Deposits | 12,133,348 |
| TOTAL SHARES & DEPOSITS | 84,023,171 |
| TOTAL LIABILITIES | 82,580,767 |
| Regular Reserve | 0 |
| Other Reserves | 210,369 |
| Undivided Earnings | 12,665,878 |
| TOTAL EQUITY | 12,876,247 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 95,457,014 |
| INCOME & EXPENSE | |
| Loan Income | 1,170,763 |
| Investment Income | 1,111,108 |
| Other Income | 170,583 |
| Total Employee Compensation & Benefits | 1,266,480 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 832,559 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 9,500 |
| Cost of Funds | 275,499 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 256,987 |
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