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.
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
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.
Overall | |
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NCUA # | 64970 |
Year Chartered | 1937 |
Employees | 79 |
Primary Regulator |
Profit Margin | |
---|---|
Return on Assets - YTD | 2.68% |
Return on Equity - YTD | 24.31% |
Annual Interest Income | $5.2MM |
Assets and Liabilities | ||
---|---|---|
Assets | Q1 2025vs Q1 2024 | $424.2MM$417.9MM |
Loans | Q1 2025vs Q1 2024 | $215.6MM$236.8MM |
Deposits | Q1 2025vs Q1 2024 | $374.1MM$376.3MM |
Equity Capital | Q1 2025vs Q1 2024 | $46.4MM$39.4MM |
Loan Loss Allowance | Q1 2025vs Q1 2024 | $9.5MM$6.6MM |
Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $3.8MM$4.8MM |
Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |
Rates for Universal 1 Credit Union are currently being reviewed.
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 |