UNIVERSAL 1
State-Chartered • Dayton, Ohio • Est. 1937
Quick Facts
- Charter Number
- #64970
- Type
- State-Chartered
- Established
- 1937
- Headquarters
- Dayton, Ohio 45409-2104
- Address
- 1 River Park Dr
- Branches
- 9
- ATMs
- 8
- Members
- 38,419
- Membership Type
- Community
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 8% and a delinquency rate below 1.5%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
38,419 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | UNIVERSAL 1 |
|---|---|
| Total Assets | $429.1M |
| Members | 38,419 |
| Loans Outstanding | $209.0M |
| Shares & Deposits | $375.3M |
| Net Worth | $51.9M |
| Net Worth Ratio | 12.09% |
| Loan-to-Share Ratio | 55.7% |
| Delinquency Rate | 1.13% |
| Net Income | +$0 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
Branch Locations
9 locations · 8 ATMs
Main Office
Main Office1 River Park Dr
Dayton, OH 45409-2104
Beavercreek
2450 Esquire Dr
Beavercreek, OH 45431-2573
Chillicothe
1080 N Bridge St
Chillicothe, OH 45601-1789
Huber Heights
2933 Harshman Rd
Dayton, OH 45424-5041
Miami Valley Hospital
1 Wyoming St
Dayton, OH 45409-2722
Who Can Join UNIVERSAL 1?
Membership Type: Community
Membership eligibility for UNIVERSAL 1 may vary. Contact the credit union directly to confirm qualification requirements.
Contact UNIVERSAL 1 directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in Ohio
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View Ohio RankingsFrequently Asked Questions
UNIVERSAL 1 is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, UNIVERSAL 1 has 38,419 members and a potential membership field of 500,000 people.
UNIVERSAL 1's reported net worth ratio is 12.09% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
UNIVERSAL 1 operates 9 branch locations and has access to 8 ATMs. The main office is located at 1 River Park Dr, Dayton, OH 45409-2104.
UNIVERSAL 1 was established in 1937. It is a state-chartered credit union chartered under charter number 64970. The institution has been serving members for 89 years.
Data sourced from the NCUA Quarterly Call Report (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or UNIVERSAL 1. All financial data is for informational purposes only.