State credit union · Dayton, Ohio · NCUA charter #64970
Universal 1
Health score 67/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 67
- Health / 100
- $422.2M
- Total assets
- 38,908
- Members
- 12.1%
- Net-worth ratio
Universal 1 scores 67/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $422.2M; members 38,908; net-worth ratio 12.09%; health rank #3,765 of 4,374; healthier than 13th of scored peers.
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NCUA 5300 Call Report Masthead
#3,765 of 4,374 health · 2025Q4Universal 1 · health 67/100 · $422.2M · 2025Q4
Call Report peers
Universal 1 in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Universal 1 vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Universal 1 sits in 65-69 with 275 others.
67 13th percentile higher than 13% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Universal 1 vs $100M–$500M peers
- Widest shortfall vs peers is Loan-to-Share Ratio: -14.52 pp (57.68% vs 72.20%).
Universal 1: in-state Call Report ranks
- In Ohio, health place is #166 of 196 on the same NCUA-ratio sort used nationally.
- Ohio assets place: #25 of 196.
- Membership ranks #15 of 196 among Ohio CUs with a reported count (38,908 members).
- One place up in Ohio, Ih Credit Union, Inc. (#165) scores 70/100, 3 points higher; one place down, TRUPARTNER (#167) scores 66/100, 1 point lower.
Quarter path for Universal 1
Universal 1: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.6% from $422.2M (2025Q4) to $429.1M (2026Q1).
- Net-worth ratio shifted -0.05 pp (12.14% → 12.09%).
This credit union's 12.09% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 67/100 score is built
Universal 1 gives up 33 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 14.8 pts
- Return on Assets 10.1 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 12.1 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.09% | -0.02 pp |
| Delinquency Rate | 1.69% | +0.80 pp |
| Return on Assets | 0.17% | -0.45 pp |
| Member Growth | -16.23% | - |
| Loan-to-Share Ratio | 57.68% | -14.52 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Universal 1 filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $429.1M | - |
| 2025Q4 | $422.2M | 38,908 |
| 2024Q4 | $417.7M | 46,445 |
| 2023Q4 | $417.0M | 48,021 |
Credit Union Details
- Charter Number
- 64970
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Ohio
- City
- Dayton
- Data Quarter
- 2025Q4
Branch Locations (9)
Universal 1 operates 9 offices across 6 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Dayton, OH |
| Beavercreek | Beavercreek, OH |
| Chillicothe | Chillicothe, OH |
| Huber Heights | Dayton, OH |
| Miami Valley Hospital | Dayton, OH |
| Sugarcreek | Dayton, OH |
| Austin Park | Miamisburg, OH |
| Sidney | Sidney, OH |
| Vandalia | Vandalia, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
A look at other Ohio credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Using this data
- Universal 1 ranks #3,765 of 4,374 nationally on financial health and #166 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Canton School Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Canton School Employees
Frequently Asked Questions
Is Universal 1 financially healthy?
On its 2025Q4 NCUA 5300 filing, Universal 1 scores 67/100 (Good), with a 12.09% net worth ratio and 1.69% of loans delinquent. It ranks #3,765 of 4,374 nationally on health and #166 of 196 in Ohio.
How does Universal 1 compare to other credit unions?
Universal 1 scores 67/100, higher than 13% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (57.68% vs 72.20%).
How can I join Universal 1?
Membership eligibility for Universal 1 depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Universal 1 directly for current membership requirements and application steps.
Is my money safe at Universal 1?
Universal 1 is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Universal 1's net worth ratio of 12.09% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.