Universal Federal Credit Union
Total assets
$97.2M
▲ +1.6% YoY
Shares & deposits
$85.5M
▲ +1.4% YoY
Loans
$27.1M
▼ -13.1% YoY
Members
5,929
▼ -2.9% YoY
ROA (annualized)
0.31%
peers 0.60%
ROE (annualized)
2.31%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.6% | +1.3% | +0.3 pts |
| Share growth (YoY) | +1.4% | +0.7% | +0.7 pts |
| Loan growth (YoY) | -13.1% | -2.4% | -10.7 pts |
| ROA | 0.31% | 0.60% | -0.3 pts |
| ROE | 2.3% | 4.1% | -1.8 pts |
ROA ranks in the 35th percentile of its peer group · Q1 2026
Profile
- Established
- 1935
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 4
- Address
- 317 31St St, Huntington, WV, 25702
- NCUA charter #
- 785
- RSSD ID
- 802071
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $97.2M | $85.5M | $27.1M | $12.8M | $74K | 0.31% | 2.88% | 0.04% | 5,929 |
| Q4 2025 | $94.6M | $83.1M | $28.3M | $12.7M | $336K | 0.36% | 2.90% | 0.17% | 6,008 |
| Q3 2025 | $95.5M | $84.0M | $29.4M | $12.7M | $257K | 0.36% | 2.80% | 0.21% | 6,025 |
| Q2 2025 | $97.4M | $86.1M | $30.0M | $12.6M | $157K | 0.32% | 2.73% | 0.33% | 6,044 |
| Q1 2025 | $95.6M | $84.3M | $31.2M | $12.5M | $81K | 0.34% | 2.67% | 0.12% | 6,104 |
| Q4 2024 | $93.0M | $81.7M | $31.7M | $12.4M | $287K | 0.31% | 2.53% | 0.21% | 6,184 |
| Q3 2024 | $92.3M | $81.3M | $31.8M | $12.3M | $191K | 0.28% | 2.48% | 0.35% | 6,192 |
| Q2 2024 | $93.6M | $82.3M | $31.7M | $12.3M | $135K | 0.29% | 2.42% | 0.98% | 6,237 |
Loan mix (Q1 2026): real estate $7.8M · commercial $0 · consumer $19.1M · securities $59.2M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.31% | 0.60% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 2.3% | 4.1% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.88% | 3.83% | 15th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.5% | 81.5% | 70th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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