TellerScore

Universal 1 Credit Union is a federally insured state-chartered credit union headquartered in Dayton, Ohio, in business for about 89 years. At the end of Q2 2026 it reported $424.7M in total assets and $370.1M in member shares and deposits, with 9 offices.

Based on its Q2 2026 filing, Universal 1 Credit Union scores 68/100, which we describe as moderate. That is higher than only 45% of 1,341 credit unions with $100 million – $1 billion. Among 192 credit unions headquartered in Ohio, it ranks 109th. Its strongest component is funding & liquidity (100/100; 58% loans-to-deposits, 3% uninsured), and its lowest is earnings (48/100; 0.71%).

TellerScore · Q2 2026

Scorecard

Capital cushion74/100
Net worth ratio: 12.42%
Loan quality49/100
Loans 60+ days delinquent ÷ total loans: 1.53%
Earnings48/100
Return on assets (annualized): 0.71%
Funding & liquidity100/100
Loans ÷ shares: 58.0% · 2.6% uninsured
Problem-loan coverage86/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 7.09%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (67 → 68).

TellerScore
546474Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202457
Q3 202454
Q4 202458
Q1 202574
Q2 202567
Q3 202567
Q4 202567
Q1 202669
Q2 202668
Net worth ratio
7.00%9.71%12.42%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.23%
Q3 202411.31%
Q4 202411.30%
Q1 202511.79%
Q2 202511.90%
Q3 202512.18%
Q4 202512.14%
Q1 202612.09%
Q2 202612.42%
Delinquent loans (60+ days)
1.13%1.67%2.20%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.91%
Q3 20242.20%
Q4 20241.79%
Q1 20251.75%
Q2 20252.12%
Q3 20252.01%
Q4 20251.69%
Q1 20261.13%
Q2 20261.53%
Return on assets
0.17%1.42%2.66%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.24%
Q3 20240.19%
Q4 20240.17%
Q1 20252.66%
Q2 20251.54%
Q3 20251.23%
Q4 20250.96%
Q1 20260.59%
Q2 20260.71%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$424.7M12.42%1.53%0.71%58.0%
Q1 202669$429.1M12.09%1.13%0.59%55.7%
Q4 202567$422.2M12.14%1.69%0.96%57.7%
Q3 202567$419.5M12.18%2.01%1.23%58.7%
Q2 202567$424.1M11.90%2.12%1.54%58.0%
Q1 202574$424.2M11.79%1.75%2.66%57.6%
Q4 202458$417.7M11.30%1.79%0.17%59.0%
Q3 202454$416.2M11.31%2.20%0.19%59.5%
Q2 202457$418.3M11.23%1.91%0.24%59.4%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.42%
63rd
Problem loans1.53%
13th
Net charge-offs1.37%
4th
Return on assets0.71%
48th
Loans to deposits58.0%
80th
Uninsured deposits2.6%
86th
Loan-loss reserves0.00%
50th
Texas ratio7.1%
25th

Similar-size credit unions in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
Fremont Federal Credit UnionCredit union Fremont, OH74 out of 100, Strong$391.4M12.7%0.86%vs
Canton School Employees Federal Credit UnionCredit union North Canton, OH68 out of 100, Moderate$462.2M10.3%0.69%vs
Century Federal Credit UnionCredit union Independence, OH65 out of 100, Moderate$469.9M10.9%0.63%vs
Cme Federal Credit UnionCredit union Columbus, OH61 out of 100, Moderate$480.9M8.6%0.66%vs
Cardinal Credit Union, Inc.Credit union Mentor, OH57 out of 100, Moderate$365.7M10.0%1.11%vs
Ih Credit Union, Inc.Credit union Springfield, OH74 out of 100, Strong$362.7M16.0%1.70%vs

Deposit insurance

Is my money safe at Universal 1 Credit Union?

Yes. Universal 1 Credit Union is a federally insured credit union (NCUA charter #64970). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 2.6% of shares and deposits ($9.7M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 12.42%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

9 locations

Branches

Universal 1 Credit Union lists 9 offices in 6 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Universal 1 Credit Union reported 321 home-loan applications under HMDA (LEI 549300SU3TF26I8KB315): 228 originated ($21,550,000 total), 25 denied, and 67 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.8%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Universal 1 Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
64970
RSSD ID
150893
Primary regulator
State + NCUA
Established
1937
Headquarters
1 River Park Dr, Dayton, OH 45409
Employees
83

Quick answers

Universal 1 Credit Union: common questions

Is Universal 1 Credit Union NCUA insured?

Yes. Universal 1 Credit Union is a federally insured credit union (NCUA charter #64970). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Universal 1 Credit Union's TellerScore?

68 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Universal 1 Credit Union have?

9 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Dayton

InstitutionScoreAssetsCapitalProblem loansCompare
Greenville National BankBank Greenville, OH86 out of 100, Very strong$641.5M13.0%0.05%vs
Middletown Area Schools Credit UnionCredit union Middletown, OH84 out of 100, Strong$11.3M15.2%1.09%vs
Day Air Credit UnionCredit union Kettering, OH82 out of 100, Strong$908.8M14.6%0.96%vs
Postal Family Credit Union, Inc.Credit union Cincinnati, OH79 out of 100, Strong$66.2M18.1%1.44%vs
Kh Credit Union, Inc.Credit union Dayton, OH79 out of 100, Strong$71.1M12.9%0.31%vs
Minster BankBank Minster, OH79 out of 100, Strong$811.6M10.1%0.14%vs