# UNIVERSAL
Huntington, WV · NCUA charter 785 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/universal-785

Who the members are: federal charter, multiple common bond, organized 1935. 5,929 members of 10,000 potential (59.3% of the field); checking penetration 60% (share draft accounts per 100 members); loans per 100 members 26.

**Verdict on the desk:** this could be *auto monoline*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $97.2M |
| Members | 5,929 (-2.9% YoY) |
| Full-time staff | 17 |
| Net worth | $12.8M |
| Net worth ratio | 13.2% (p54 of band) |
| ROA (annualized) | 0.31% (p28 of band) |
| Total delinquency | 0.04% (p5 of band) |
| Net charge-offs (annualized) | 0.04% (p24 of band) |
| Loans / shares | 32% (p6 of band) |
| Cash / assets | 65.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.88% (p13 of band) |
| Operating expense / assets | 2.97% (p30 of band) |
| Vehicles % of loans | 68% (p86 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.03% (p13 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 29% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 87% |
| Certificates % of member funds | 10% |
| Average share balance | $7,480 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 26% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $17,439 |
| Loans granted, annualized | $7.6M |

## Flags firing in the latest filing

- **loan book shrinking** (`shrink_loans`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 0 |  | delinquency 2x band |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | net worth falling |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 | delinquency 2x band | net worth falling |
| 2017-12 | 1 | members leaving | delinquency 2x band |
| 2018-03 | 1 |  |  |
| 2018-06 | 2 | net worth falling |  |
| 2018-09 | 1 |  | net worth falling |
| 2018-12 | 2 | assets shrinking |  |
| 2019-03 | 1 |  | assets shrinking |
| 2019-06 | 3 | net worth falling, assets shrinking |  |
| 2019-09 | 1 |  | net worth falling, assets shrinking |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | delinquency rising |  |
| 2020-06 | 3 | net worth falling, loan book shrinking | delinquency rising |
| 2020-09 | 1 |  | members leaving, loan book shrinking |
| 2020-12 | 3 | margin squeeze, members leaving |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 1 |  | net worth falling, margin squeeze |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | members leaving |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 2 | delinquency rising, auto monoline |  |
| 2023-03 | 1 |  | delinquency rising |
| 2023-06 | 2 | assets shrinking |  |
| 2023-09 | 3 | delinquency rising |  |
| 2023-12 | 2 |  | delinquency rising |
| 2024-03 | 2 | delinquency rising | assets shrinking |
| 2024-06 | 3 | net worth falling |  |
| 2024-09 | 2 |  | net worth falling |
| 2024-12 | 1 |  | delinquency rising |
| 2025-03 | 2 | net worth falling |  |
| 2025-06 | 3 | members leaving |  |
| 2025-09 | 1 |  | net worth falling, members leaving |
| 2025-12 | 2 | loan book shrinking |  |
| 2026-03 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-01 [Best Loans for Bad Credit of September 2026 - NerdWallet](https://news.google.com/rss/articles/CBMicEFVX3lxTE5qQ2JnWlROX1ZDVEhsV3h5VGtHckMtU05LRG5wY2d1ZlhJdk4xZjd3MkZGR1lkR0Y1MkRyZnREbDRqTDQ4c094RVlhS0RmY0RYMUVVczlBTnNQREVXb2JIdUhEVEl3RUNYYVUtYm1ueFE?oc=5) · NerdWallet
- 2026-06-29 [JOSH ROSS MAKES HISTORY WITH SECOND CONSECUTIVE U.S. COUNTRY RADIO NO. 1, “HATE HOW YOU LOOK” - universalmusic.ca](https://news.google.com/rss/articles/CBMiygFBVV95cUxNeENYWFowX0tQUnMxbnF5aXFiRUYzVEVLYlF5S3d3SVc2cFRVSlQ5ZE1xb2dUNFU2NTZSUjlyWEc0MmhJQXkybkdydU9OM3hEdEFvQWdRaHdaVFBmX3R3ZVlmUHI4d2ZoaFhodFZlNDAtc01VOEEwV053X2Zxa0c3bi12R3RIT3BTb0tONWdZb0FzUDZjWHJKSFFUT2VXZTlZcjVfelVJUnZBaktxYlJtcWl6U2gzRDdiVGQ0M3NGVThHVE9UbUdoSzFB?oc=5) · universalmusic.ca
- 2025-10-07 [Regional Banks, CUs: 3 Proven Strategies to Drive Growth - Resourceful Finance Pro](https://news.google.com/rss/articles/CBMifEFVX3lxTFAxR0V1c1lIRy1GXzQtSGNTNk9EM3N6NjM2M3FzT0p2b2hTUDc2aEw2NVR2Z0lUaDBUYXRTckJsanRGWXdsenQ1SnU3SEw3bldSSWhEcmNqLWdMMVNIM3R1Sks5a2FoZy0xTkpoUkVOaVJISDFDd01PR3IzM3I?oc=5) · Resourceful Finance Pro
- 2026-02-11 [Auto Repair Loans: How to Finance Car Repairs - NerdWallet](https://news.google.com/rss/articles/CBMickFVX3lxTFBGRlR1QUNSREV0MFpjMzdYaWRqdTdscjNTYzhwZnhQRE9KV1M1Wl96dDRJTS10bl9pM1RuNmc1clVNbC1nMWkxdFVidHp3cTNIajNua29SdzE2VU12T01jckNUM0hxaW9jR19PTkZ6SnkxZw?oc=5) · NerdWallet
- 2025-04-08 [Best Banks and Credit Unions in West Virginia 2024 - Newsweek Rankings](https://news.google.com/rss/articles/CBMilgFBVV95cUxNZVFmdXlIcnAtT3RKUG91WklVSmoyTF9pbUQ5V3ZtMlZGY1hIT2w2Z2Vad2RQOUE4aG9fcFE0Z29GNnFyRWJVNUlIY3Z2R3dnakc2aVZDQ0hQMWlOelhvcTVVcGtZUGR2Ui1FN08yZ01NTkEwZlYtS09kS1ZtLTNMMy1hd0VvcmpidThVNGRDU2lTanlsSEE?oc=5) · Newsweek Rankings
- 2025-03-11 [16 Credit Unions in the United States That Anyone can Join - businessinsider.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxOZVNIY2hNRE02Y2dQOG52cFNmejQzZjdTTURrX1VHM2hZVHN4enRRR1BtVmxHZ2tmYVVkRDVOZGpWemtJYU9FUFMxdkVSNmVGRzdVMVR0cldGSFZDQV9Qd1J0VXhZMmc0UmxteDZKc2dTc3NTMEh6R2Q0cmdrbDdzV2drQk5mazlQQnVkemg5bw?oc=5) · businessinsider.com
- 2023-03-06 [Obituary information for Linda Lou Barbera Reynolds - Chapman's Mortuary](https://news.google.com/rss/articles/CBMijgFBVV95cUxNYzZha0xEamhfSWVzNlhHbmpVZktfR3o2OWpLUG5UVnRLa2MtVDUzM05IRHpzbi1xUFNwQnpRM1hGNXg5VmtleWtCNTdJd0ZpN0dqajF0Z3lfNEFxZzZCcjRFZzlWcHJhaEtDcFVWaWU5VDlwdkVWR1R1YVhvRVpTSGIyQ2xPSnFhSEZyVmFB?oc=5) · Chapman's Mortuary
- 2024-04-14 [Universal Credit Services FCRA $225K class action settlement - Top Class Actions](https://news.google.com/rss/articles/CBMizgFBVV95cUxQYWRKdFhZeFBVVFg3TFAzWl9LOUxIbjVIUWswMzR2bTVaS2Z6RHdfLUlsLTB6akFCX3U5cThRWTN0NWVPV2YtV0RxSjkzWDRHNURaeDk3dnZBbEszRnA2UUV2ajlMZDVvVXJPcTJ3dDczU1psakhNa1hTdmpOYlZ0OWZEZmJlVGhMVUtqWGNCRUpjZzJ4Rmg2R2h0NDlKWGEzRU9NQWRPcmg4X2tRM3BUUkYyLWJtaEpfNGhCdmI5dXo1am10OVY5VUE2WVBudw?oc=5) · Top Class Actions

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=785 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/17.json (key "785", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=785
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide