Universal 1 Credit Union is headquartered in Dayton and is the 20th largest credit union in the state of Ohio. It is also the 722nd largest credit union in the nation. It was established in 1937 and as of December of 2021, it had grown to 81 employees and 48,622 members at 9 locations. Universal 1 Credit Union has an A health rating.
Deposit Growth is down and Capitalization is considered average. CD rates are okay but there are better rates in the Cincinnati, Dayton area. They appear to have survived the recession which hit Dayton particularly hard, but otherwise really need to reverse the Deposit Growth trend and improve Capitalization. Might be hard to do in Dayton region.
There has been a lot of upheaval in the local credit unions with mergers, and switching to ASI insurance.
Will be interesting to see how they are doing in the coming years. They are not as competitive as they used to be.
You must live or work in Ohio to join Universal 1 Credit Union. (Their membership-eligibility requirements were not readily available on their web site.)
Overall | |
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NCUA # | 64970 |
Year Chartered | 1937 |
Employees | 81 |
Primary Regulator |
Profit Margin | |
---|---|
Return on Assets - YTD | 0.82% |
Return on Equity - YTD | 9.65% |
Annual Interest Income | $12.3MM |
Assets and Liabilities | ||
---|---|---|
Assets | Q4 2021vs Q4 2020 | $475.8MM$452.6MM |
Loans | Q4 2021vs Q4 2020 | $240.7MM$247.9MM |
Deposits | Q4 2021vs Q4 2020 | $432.5MM$411.5MM |
Equity Capital | Q4 2021vs Q4 2020 | $40.2MM$38.0MM |
Loan Loss Allowance | Q4 2021vs Q4 2020 | $1.2MM$2.2MM |
Unbacked Noncurrent Loans | Q4 2021vs Q4 2020 | $1.0MM$1.7MM |
Real Estate Owned | Q4 2021vs Q4 2020 | $0$0 |
Always verify rates and promotions with the bank or credit union. We are not Universal 1 Credit Union; we are a rate comparison website and cannot provide official rates or promotions.
* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
---|---|---|---|---|---|
0.30%* | $25k* | - | Money Market | ||
OTHER TIERS: 0.10% → $2k - $10k | 0.20% → $10k - $25k |
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
---|---|---|---|---|
0.02% | $500 | - | Universal Freedom 500 |
Universal 1 Credit Union Locations | ||
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Branch Office | 2835 Michigan St | Sidney, OH 45365-8622 |
Branch Office | 6270 Wilmington Pike | Dayton, OH 45459 |
Branch Office | 1080 N Bridge St | Chillicothe, OH 45601-1789 |
Branch Office | 718 S Dixie Dr | Vandalia, OH 45377 |
Branch Office | 2933 Harshman Rd | Dayton, OH 45424-5041 |
Branch Office | 1 River Park Dr | Dayton, OH 45409-2104 |
Branch Office | 2450 Esquire Dr | Beavercreek, OH 45431-2573 |
Branch Office | 1 Wyoming St | Dayton, OH 45409-2722 |
Branch Office | 9900 Springboro Pike | Miamisburg, OH 45342-4536 |