Universal 1 Credit Union

Overview / Commentary
1 River Park Dr
Dayton, OH 45409

Universal 1 Credit Union is headquartered in Dayton and is the 22nd largest credit union in the state of Ohio. It is also the 774th largest credit union in the nation. It was established in 1937 and as of June of 2023, it had grown to 81 employees and 48,613 members at 9 locations. Universal 1 Credit Union has a C+ 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 (3)

Not As Good As They Used To Be

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

Posted by: |

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.)

Horrible At Most Everything

Posted by: |

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 Grade Components

NCUA #64970
Year Chartered1937
Primary Regulator
Profit Margin
Return on Assets - YTD0.83%
Return on Equity - YTD10.19%
Annual Interest Income$10.3MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$442.3MM$471.2MM
LoansQ2 2023vs Q2 2022$262.9MM$251.7MM
DepositsQ2 2023vs Q2 2022$403.7MM$433.4MM
Equity CapitalQ2 2023vs Q2 2022$36.3MM$35.4MM
Loan Loss AllowanceQ2 2023vs Q2 2022$4.3MM$1.5MM
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$4.3MM$1.5MM
Real Estate OwnedQ2 2023vs Q2 2022$0$0

Rates for Universal 1 Credit Union are currently being reviewed.


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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