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
- 38,908
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Above-average financial health. Net worth is strong and key ratios are within normal ranges, with minor areas to monitor.
Financial Overview
Total Assets
Members
38,908 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | UNIVERSAL 1 |
|---|---|
| Total Assets | $422.2M |
| Members | 38,908 |
| Loans Outstanding | $212.5M |
| Shares & Deposits | $368.3M |
| Net Worth | $51.3M |
| Net Worth Ratio | 12.14% |
| Loan-to-Share Ratio | 57.7% |
| Delinquency Rate | 1.69% |
| Net Income | +$9,377,824 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
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.
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View Ohio RankingsFrequently Asked Questions
Yes. UNIVERSAL 1 is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, UNIVERSAL 1 has 38,908 members and a potential membership field of 500,000 people.
UNIVERSAL 1's net worth ratio is 12.14% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 12.1%, UNIVERSAL 1 meets this threshold.
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 (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or UNIVERSAL 1. All financial data is for informational purposes only.