Universal 1 Credit Union


Overview / Commentary
937-225-6800
1 River Park Dr
Dayton, OH 45409

Universal 1 Credit Union is headquartered in Dayton and is the 25th largest credit union in the state of Ohio. It is also the 825th largest credit union in the nation. It was established in 1937 and as of March of 2025, it had grown to 79 employees and 34,811 members at 9 locations. Universal 1 Credit Union has an A health rating.

Field of Membership Restrictions

Membership in Universal 1 Credit Union is open to those who live, work, worship, or attend school in the Ohio counties of Butler, Clark, Greene, Guernsey, Highland, Licking, Miami, Pickaway, Ross, Shelby, or Warren; or the Ohio communities of Centerville, Clayton, Dayton, Englewood, Farmersville, Germantown, Huber Heights, Kettering, Miami Township, Miamisburg, Moraine, New Lebanon, Oakwood, Riverside, Trotwood, Union, Vandalia, Washington Township, or West Carrollton.
See current membership details

Reviews (1)

Horrible At Most Everything

Use to be pretty decent. Now poor poor rates. Tellers are not experienced and always make account mistakes. Management treats you like crap if you complain. I actually think they are in the process of going out of business.



Health

Health Grade Components

Overall
NCUA #64970
Year Chartered1937
Employees79
Primary Regulator
Profit Margin
Return on Assets - YTD2.68%
Return on Equity - YTD24.31%
Annual Interest Income$5.2MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$424.2MM$417.9MM
LoansQ1 2025vs Q1 2024$215.6MM$236.8MM
DepositsQ1 2025vs Q1 2024$374.1MM$376.3MM
Equity CapitalQ1 2025vs Q1 2024$46.4MM$39.4MM
Loan Loss AllowanceQ1 2025vs Q1 2024$9.5MM$6.6MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$3.8MM$4.8MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
Rates

Rates for Universal 1 Credit Union are currently being reviewed.

Locations


Universal 1 Credit Union Locations
Branch Office2835 Michigan StSidney, OH 45365-8622
Branch Office6270 Wilmington PikeDayton, OH 45459
Branch Office1080 N Bridge StChillicothe, OH 45601-1789
Branch Office718 S Dixie DrVandalia, OH 45377
Branch Office2933 Harshman RdDayton, OH 45424-5041
Branch Office1 River Park DrDayton, OH 45409-2104
Branch Office2450 Esquire DrBeavercreek, OH 45431-2573
Branch Office1 Wyoming StDayton, OH 45409-2722
Branch Office9900 Springboro PikeMiamisburg, OH 45342-4536

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