Universal 1 Credit Union is headquartered in Dayton and is the 24th largest credit union in the state of Ohio. It is also the 824th largest credit union in the nation. It was established in 1937 and as of December of 2024, it had grown to 79 employees and 46,445 members at 9 locations. Universal 1 Credit Union has a B+ 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.
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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.
Data as of Q4 2024
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 64970 |
| Year Chartered | 1937 |
| Employees | 79 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.17% |
| Return on Equity - YTD | 1.73% |
| Annual Interest Income | $21.5MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2024vs Q4 2023 | $417.7MM$417MM |
| Loans | Q4 2024vs Q4 2023 | $219.4MM$249.3MM |
| Deposits | Q4 2024vs Q4 2023 | $371.9MM$374.8MM |
| Equity Capital | Q4 2024vs Q4 2023 | $42.1MM$39.4MM |
| Loan Loss Allowance | Q4 2024vs Q4 2023 | $7.9MM$6.2MM |
| Unbacked Noncurrent Loans | Q4 2024vs Q4 2023 | $3.9MM$5.4MM |
| Real Estate Owned | Q4 2024vs Q4 2023 | $0$0 |