Universal
Universal is a credit union based in Huntington, West Virginia, established in 1935, with $97 million in total assets serving 5,929 members. By Trust Grade it ranks 39th of 73 credit unions we track in West Virginia. Its net worth ratio of 13.2% trails most similarly sized credit unions (42th percentile), versus a West Virginia median of 13.5%. It was profitable over the most recent period, with a 0.30% return on assets. No consumer complaints against Universal appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Universal compares to West Virginia peers
How we graded Universal
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (13.2% capital ratio)
- Profitable (ROA 0.30%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Universal over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Universal insured?
Yes. Universal is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Universal: frequently asked questions
Is Universal a good credit union?
Universal earns a Bankzia Trust Grade of A (93/100, "Excellent"), based on a financial-strength score of 93/100 (it has no CFPB complaints on record). Strongly capitalized (13.2% capital ratio); Profitable (ROA 0.30%).
Is Universal NCUA-insured?
Yes. Universal is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Universal?
Universal holds $97 million in total assets, ranking 39th of 73 credit unions we track in West Virginia. It serves 5,929 members.
Does Universal have CFPB complaints?
No CFPB complaints against Universal appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
