credit union · NCUA 785 · WV
How big is UNIVERSAL?
UNIVERSAL (WV, NCUA charter 785) reported total assets of $99.5M, 5,892 members and a net worth ratio of 13.03% in its Call Report for 2026Q2. That ranks 1823 of 4,299 federally insured credit unions by assets, 3 of 573 among credit unions with $50m-$100m in assets, 12 of 74 credit unions in west virginia.
What stands out
UNIVERSAL (WV, NCUA charter 785) reported total assets of $99.5M, 5,892 members and a net worth ratio of 13.03% in its Call Report for 2026Q2. That ranks 1823 of 4,299 federally insured credit unions by assets, 3 of 573 among credit unions with $50m-$100m in assets, 12 of 74 credit unions in west virginia. Against its size class: net worth ratio 13.03%, above the peer median of 12.95%; loan-to-share ratio 30.33%, below the peer median of 60.93%; return on assets 0.45%, below the peer median of 0.73%. At 13.03% its net worth ratio is above the 7% NCUA threshold, which puts it in the "well capitalised" band of prompt corrective action; the regulator applies further tests, this page does not.
Key figures, 2026Q2
As filed with the NCUA; ratios computed by FACTANKER. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2026Q2 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $99.5M | $72.1M | $27.6M | $68.3M | record → |
| Shares and deposits | $85.6M | $61.4M | $23.8M | $58.3M | record → |
| Loans outstanding | $26.0M | $37.6M | $10.4M | $34.4M | record → |
| Net income (year to date) | $226.2k | $269.0k | $117.1k | $222.2k | record → |
| Net worth | $13.0M | $9.2M | $3.5M | $9.0M | record → |
| Net worth ratio | 13.03% | 12.95% | 13.43% | 12.65% | record → |
| Loan-to-share ratio | 30.33% | 60.93% | 60.24% | 68.70% | computed |
| Return on assets | 0.45% | 0.73% | 0.84% | 0.71% | computed |
| Members | 5,892 | 5,030 | 2,096 | 4,818 | record → |
Quarter by quarter
45 Call Reports on record, 2015Q2–2026Q2; the 40 most recent shown.
| Quarter | Total assets | Shares | Loans | Net income YTD | Net worth ratio | Members | Rank |
|---|---|---|---|---|---|---|---|
| 2026Q2 | $99.5M | $85.6M | $26.0M | $226.2k | 13.03% | 5,892 | 1823 |
| 2026Q1 | $97.2M | $85.5M | $27.1M | $74.1k | 13.19% | 5,929 | 1848 |
| 2025Q4 | $94.6M | $83.1M | $28.3M | $336.0k | 13.47% | 6,008 | 1870 |
| 2025Q3 | $95.5M | $84.0M | $29.4M | $257.0k | 13.27% | 6,025 | 1865 |
| 2025Q2 | $97.4M | $86.1M | $30.0M | $156.6k | 12.90% | 6,044 | 1851 |
| 2025Q1 | $95.6M | $84.3M | $31.2M | $80.8k | 13.06% | 6,104 | 1871 |
| 2024Q4 | $93.0M | $81.7M | $31.7M | $286.9k | 13.34% | 6,184 | 1888 |
| 2024Q3 | $92.3M | $81.3M | $31.8M | $190.7k | 13.34% | 6,192 | 1892 |
| 2024Q2 | $93.6M | $82.3M | $31.7M | $135.1k | 13.09% | 6,237 | 1889 |
| 2024Q1 | $92.5M | $81.3M | $31.1M | $62.7k | 13.17% | 6,246 | 1910 |
| 2023Q4 | $90.5M | $79.5M | $30.6M | $195.6k | 13.40% | 6,330 | 1914 |
| 2023Q3 | $90.4M | $79.5M | $30.8M | $129.4k | 13.33% | 6,378 | 1922 |
| 2023Q2 | $93.2M | $82.5M | $29.7M | $93.5k | 12.90% | 6,366 | 1897 |
| 2023Q1 | $95.2M | $84.6M | $29.3M | $33.7k | 12.56% | 6,318 | 1887 |
| 2022Q4 | $95.4M | $84.8M | $29.3M | $188.3k | 12.50% | 6,441 | 1871 |
| 2022Q3 | $96.5M | $85.9M | $29.3M | $180.3k | 12.36% | 6,434 | 1870 |
| 2022Q2 | $96.9M | $86.3M | $27.9M | $155.6k | 12.27% | 6,436 | 1861 |
| 2022Q1 | $97.2M | $86.5M | $27.3M | $129.9k | 12.21% | 6,438 | 1860 |
| 2021Q4 | $94.5M | $83.9M | $27.4M | $134.6k | 12.43% | 6,449 | 1877 |
| 2021Q3 | $95.0M | $82.8M | $26.6M | $96.4k | 12.31% | 6,488 | 1859 |
| 2021Q2 | $96.8M | $84.6M | $26.4M | $46.3k | 12.05% | 6,527 | 1827 |
| 2021Q1 | $97.2M | $84.9M | $24.9M | $13.2k | 11.95% | 6,596 | 1824 |
| 2020Q4 | $90.1M | $77.5M | $24.0M | $57.1k | 12.87% | 6,688 | 1851 |
| 2020Q3 | $88.2M | $75.9M | $23.9M | $34.6k | 13.12% | 6,775 | 1854 |
| 2020Q2 | $87.8M | $75.5M | $24.0M | $16.4k | 13.16% | 6,801 | 1844 |
| 2020Q1 | $83.3M | $71.0M | $24.8M | $20.9k | 13.88% | 6,855 | 1825 |
| 2019Q4 | $79.2M | $66.9M | $25.5M | $188.6k | 14.57% | 6,895 | 1858 |
| 2019Q3 | $80.1M | $67.9M | $26.4M | $160.0k | 14.38% | 6,962 | 1836 |
| 2019Q2 | $83.2M | $67.8M | $27.0M | $83.9k | 13.75% | 7,030 | 1807 |
| 2019Q1 | $82.2M | $69.8M | $27.5M | $27.4k | 13.84% | 7,096 | 1820 |
| 2018Q4 | $78.6M | $66.5M | $28.1M | $191.4k | 14.45% | 7,199 | 1846 |
| 2018Q3 | $79.7M | $67.5M | $28.1M | $153.0k | 14.20% | 7,271 | 1833 |
| 2018Q2 | $86.1M | $69.2M | $28.4M | $66.2k | 13.04% | 7,914 | 1762 |
| 2018Q1 | $83.9M | $71.8M | $28.1M | $29.0k | 13.34% | 8,164 | 1789 |
| 2017Q4 | $81.1M | $69.1M | $29.1M | $93.9k | 13.76% | 8,209 | 1800 |
| 2017Q3 | $81.4M | $69.5M | $29.8M | $80.4k | 13.69% | 8,239 | 1805 |
| 2017Q2 | $84.1M | $69.9M | $30.3M | $61.8k | 13.24% | 8,423 | 1782 |
| 2017Q1 | $83.4M | $72.4M | $30.5M | $15.9k | 13.29% | 8,420 | 1784 |
| 2016Q4 | $79.6M | $68.1M | $31.7M | $145.5k | 13.91% | 8,467 | 1810 |
| 2016Q3 | $79.1M | $69.4M | $32.0M | $118.6k | 13.96% | 8,492 | 1815 |
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