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Overview / Commentary
1 River Park Dr
Dayton, OH 45409

Universal 1 Credit Union is headquartered in Dayton and is the 11st largest credit union in the state of Ohio. It is also the 575th largest credit union in the nation. It was established in 1937 and as of December of 2013, it had grown to 108 employees and 50,676 members. Universal 1 Credit Union's savings rates are 94% higher than the national average, and it has a C+ health rating.

Field of Membership Restrictions

Must be a member or employee of one of the several select employer groups. Also open to those who live, work, worship or attend school in Dayton, Centerville, Oakwood, Moraine, West Carrollton, Miamisburg, Riverside, Kettering, Huber Heights, Trotwood, New Lebanon, Germantown, Clayton, Farmersville, Englewood, Vandalia, Union, Miami Township, Washington Township, Warren, Clark, Greene, Guernsey, Highland, Licking, Pickaway, Ross, Butler, Miami or Shelby County. - See Details

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Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Universal 1 Credit Union had $5.9 million in non-current loans and owned real-estate with $35.23 million in equity and loan loss allowances on hand to cover it. This gives Universal 1 Credit Union a Texas Ratio of 16.76% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Universal 1 Credit Union increased slightly from 11.46% as of December 31, 2012 to 16.76% as of December 31, 2013, resulting in a negative change of 46.21%. This indicates that the balance sheet and financial strength for Universal 1 Credit Union has declined slightly in recent periods.

Deposit Growth


In the past year, Universal 1 Credit Union has decreased its total deposits by -$5.46 million, resulting in -1.58% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Universal 1 Credit Union has shown is average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Universal 1 Credit Union has $374.78 million in assets with $35.23 million in equity, resulting in a capitalization level of 9.40%, which is average.

Institution Statistics

NCUA #64970
Year Chartered1937
Primary Regulator
Assets and Liabilities
Assets$374.78 million
Loans$305.17 million
Deposits$339.38 million
Equity Capital$31.58 million
Loan Loss Allowance$3.65 million
Unbacked Noncurrent Loans$5.51 million
Real Estate Owned$397,000
Historic Data - December 2012
Assets$378.84 million
Equity Capital$30.45 million
Loan Loss Allowance$2.94 million
Unbacked Noncurrent Loans$5.51 million
Real Estate Owned$328,000
Profit Margin - Quarterly
Net Interest Margin5.36%
Return on Assets0.24%
Return on Equity2.91%
Interest Income$16.76 million

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Universal 1 Credit Union Savings Account Rates

1.01%$50-Health Savings Account
0.25%--Passbook IRA Savings
0.15%$50k-Savings Account
0.10%$50-Holiday Club Account
0.10%$50-Vacation Club Account

Universal 1 Credit Union Money Market Rates

0.15%$25k-Money Market Account

Universal 1 Credit Union Checking Account Rates

0.05%$500-Universal Freedom 500 Checking

Universal 1 Credit Union CD Rates

1.87%$1k-60 Month Share Certificate
1.46%$1k-48 Month Share Certificate
1.01%$1k-3 Month HSA Certificate
0.95%$1k-36 Month Share Certificate
0.70%$1k-24 Month Share Certificate
0.70%$1k-30 Month Share Certificate
0.50%$1k-18 Month Share Certificate
0.45%$500-12 Month Share Certificate
0.45%$1k-13 Month Share Certificate
0.35%$25-12 Month Money Saver Share Certificate
0.25%$1k-6 Month Share Certificate
0.25%$1k-7 Month Share Certificate

Universal 1 Credit Union IRA Rates

1.87%$1k-60 Month IRA Certificate
1.46%$1k-48 Month IRA Certificate
0.70%$1k-24 Month IRA Certificate
0.70%$1k-30 Month IRA Certificate
0.45%$500-12 Month IRA Certificate
0.45%$500-12 Month Variable IRA Certificate

Universal 1 Credit Union has 11 locations. Click to view all Universal 1 Credit Union locations.