UNIVERSAL
Charter #785 · Huntington, WV · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 5,929 ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.31% sits at the 15th percentile of structural peers — worth a closer look.
- Net interest margin of 2.91% sits at the 16th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.04% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 90.52% sits at the 89th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | UNIVERSAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $97.18M | 97th pct | 87th pct |
| Members | 5,929 | 64th pct | 77th pct |
| Net worth ratio | 13.19% | 54th pct | 28th pct |
| Return on average assets | 0.31% | 28th pct | 15th pct |
| Net interest margin | 2.91% | 14th pct | 16th pct |
| Cost of funds | 0.49% | 23th pct | 38th pct |
| Loan-to-share | 31.74% | 6th pct | 23th pct |
| Delinquency 60+ days | 0.04% | 5th pct | 8th pct |
| Net charge-off ratio | 0.04% | 23th pct | 31th pct |
| Loan growth YoY | -7.76% | 7th pct | 21th pct |
| Share growth YoY | 1.74% | 38th pct | 33th pct |
| Efficiency ratio | 90.52% | 82th pct | 89th pct |
structural peer set hash: b8b5dfa2dd2d7fb55a72c78be26091a3… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.