Charter 64970 · Dayton, OH
Universal 1 Credit Union
Universal 1 Credit Union is a state-chartered credit union in Dayton, Ohio, with $425 million in assets and 37,976 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 12.42%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $425 million
- +0.2% in a year
- Members
- 37,976
- +9.6% in a year
- Net worth ratio
- 12.42%
- Peer median 11.65%
- Loans 60+ days late
- 1.53%
- Peer median 0.70%
- Loans outstanding
- $215 million
- -0.7% in a year
- Shares and deposits
- $370 million
- -0.7% in a year
- Branches
- 9
- 83 employees
- Opened
- 1937
- Ohio charter
How Universal 1 Credit Union compares
NCUA groups credit unions by size; Universal 1 Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 12.42% is higher than that group's median of 11.65%, and its share of loans 60 or more days past due, 1.53%, is higher than the group median of 0.70%. Loans fell 0.7% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 25 of 192 credit unions headquartered in Ohio. See all Ohio credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $425 million | 37,976 | $215 million | 12.42% | 1.53% |
| Q1 2026 | $429 million | 38,419 | $209 million | 12.09% | 1.13% |
| Q4 2025 | $422 million | 38,908 | $212 million | 12.14% | 1.69% |
| Q3 2025 | $419 million | 39,768 | $216 million | 12.18% | 2.01% |
| Q2 2025 | $424 million | 34,660 | $216 million | 11.90% | 2.12% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 500,000 potential members.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 9 sites for Universal 1 Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Main Office (main office)
1 River Park Dr, Dayton, OH 45409 - Beavercreek
2450 Esquire Dr, Beavercreek, OH 45431 - Chillicothe
1080 N Bridge St, Chillicothe, OH 45601 - Huber Heights
2933 Harshman Rd, Dayton, OH 45424 - Miami Valley Hospital
1 Wyoming St, Dayton, OH 45409 - Sidney
2835 Michigan St, Sidney, OH 45365 - Sugarcreek
6270 Wilmington Pike, Dayton, OH 45459 - Vandalia
718 S Dixie Dr, Vandalia, OH 45377 - Austin Park
9900 Springboro Pike, Miamisburg, OH 45342
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology