Universal 1 Credit Union

Universal 1 Credit Union is headquartered in Dayton and is the 11^st largest credit union in the state of Ohio. It is also the 550^th largest credit union in the nation. It was established in 1937 and as of March of 2013, it had grown to 107 employees and 49,722 members. Universal 1 Credit Union's savings rates are 94% higher than the national average, and it has a 4-star health rating.

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Data for Q1 2013

Institution Statistics UNIVERSAL 1 NCUA # 64970 BankRate Report View Year Chartered 1937 Employees 107 Primary Regulator Assets and Liabilities Assets $385.44 million Loans $302.34 million Deposits $351.68 million Equity Capital $30.81 million Loan Loss Allowance $3.15 million Unbacked Noncurrent Loans $3.39 million Real Estate Owned $328,000 Historic Data - March 2012 Assets $369.17 million Equity Capital $29.21 million Loan Loss Allowance $2.37 million Unbacked Noncurrent Loans $2.50 million Real Estate Owned $680,000 Profit Margin - Quarterly Net Interest Margin 1.34% Return on Assets 0.27% Return on Equity 3.39% Interest Income $4.16 million Non-Interest Income $1.10 million

Institution Health Overall Score: 4 out of 5 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 March 31, 2013 Universal 1 Credit Union had $3.72 million in non-current loans and owned real-estate with $33.96 million in equity and loan loss allowances on hand to cover it. This gives Universal 1 Credit Union a Texas Ratio of 10.95% 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 held steady from 10.08% as of March 31, 2012 to 10.95% as of March 31, 2013, resulting in a negative change of 8.70%. This indicates that the balance sheet and financial strength for Universal 1 Credit Union has held steady in recent periods. Deposit Growth In the past year, Universal 1 Credit Union has increased its total deposits by $14.8 million, resulting in 4.39% 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 above average. Capitalization 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 $385.44 million in assets with $33.96 million in equity, resulting in a capitalization level of 8.81%, which is average.

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