UNIVERSAL 1 Credit Union Profile

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UNIVERSAL 1

Charter #64970 | NCUA Region 2 | FISCU
Low-Income Designation: No
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (937) 225-6800

Fax: (937) 225-9266

Founding Date: N/A

Website: http://www.universal1cu.org

Personnel & Operations

President: Gammell, Jeffrey

Manager: Jones, Jessica

FT Employees: 82

PT Employees: 0

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 9

Hours: M-F 9:00 am - 5:00 pm Sat 9:00 am - 12:00 p

Credit Union Profile Summary

UNIVERSAL 1 is a FISCU Credit Union. With a total of 34,660 members [1], this institution manages approximately $424,096,174 in total assets [1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 11.9% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -3.15% [1].

Financial Snapshot

Total Assets [1]
$424,096,174

Total economic resources.

Total Loans [1]
$216,101,104

Total value of outstanding loans.

Total Deposits [1]
$372,691,847

Total funds deposited by members.

Members [1]
34,660

Number of active members.

Performance Ratios

Net Worth Ratio [1]
11.9%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
1.55%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
57.98%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 1.38%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↓ -3.15%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↓ -26.65%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

1 River Park Dr

Dayton, OH, 45409-2104
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 9 branches reported by UNIVERSAL 1 (Charter #64970).

Main Office

Main Office Main Office

Type: Corporate Office

1 River Park Dr

Dayton, OH 45409-2104

Phone: (937) 225-6800

Services: Member Services, ATM

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Additional Branches

Beavercreek

Beavercreek

Type: Branch Office

2450 Esquire Dr

Beavercreek, OH 45431-2573

Phone: (937) 431-3100

Services: Member Services, ATM, Drive-Thru

Open in Directions

Chillicothe

Chillicothe

Type: Branch Office

1080 N Bridge St

Chillicothe, OH 45601-1789

Phone: (740) 775-4321

Services: Member Services

Open in Directions

Dayton

Huber Heights

Type: Branch Office

2933 Harshman Rd

Dayton, OH 45424-5041

Phone: (937) 235-0303

Services: Member Services, ATM

Open in Directions

Miami Valley Hospital

Type: Branch Office

1 Wyoming St

Dayton, OH 45409-2722

Phone: (937) 208-2745

Services: Member Services, ATM

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Sugarcreek

Type: Branch Office

6270 Wilmington Pike

Dayton, OH 45459

Phone: (937) 848-6050

Services: Member Services, ATM, Drive-Thru

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Miamisburg

Austin Park

Type: Branch Office

9900 Springboro Pike

Miamisburg, OH 45342-4536

Phone: (937) 435-7268

Services: Member Services, ATM, Drive-Thru

Open in Directions

Sidney

Sidney

Type: Branch Office

2835 Michigan St

Sidney, OH 45365-8622

Phone: (937) 498-2320

Services: Member Services, ATM, Drive-Thru

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Vandalia

Vandalia

Type: Branch Office

718 S Dixie Dr

Vandalia, OH 45377

Phone: (937) 898-3815

Services: Member Services, ATM, Drive-Thru

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