UNIVERSAL 1
Dayton, OH · State Credit Union · Chartered in OH
Who can join
State government employees (special charter)
Members
38,419
Net Worth Ratio
12.09%
min. 7% = Well Capitalized
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
At a Glance
Total Assets
$429.1M
Peer Group 5
Members
38,419
as of latest quarter
Net Worth Ratio
12.09%
Well Capitalized
Institution Profile
NCUAWebsite
Phone
Address
Chartered
Branch Locations
Membership Eligibility
Financial Snapshot
Total Assets
$429.1M
Total Shares
$375.3M
Total Loans
$209.0M
Net Worth Ratio
12.09%
≥7% = Well Capitalized
Members
38,419
Delinquency Rate (60d+)
0.85%
$1.8M
Loan-to-share ratio: 55.7%· healthy range 60–80%
Branch Locations
NCUAMain Office
1 River Park Dr, Dayton, OH, 45409-2104
M-F 9:00 am - 5:00 pm Sat 9:00 am - 12:00 pm
Beavercreek
2450 Esquire Dr, Beavercreek, OH, 45431-2573
M-F 9:00 am - 5:00 pm Sat 9:00 am - 12:00 pm Drive Thru M-F 9:00 am - 6:30 pm Sat 9:00 am - 1:00 pm
Chillicothe
1080 N Bridge St, Chillicothe, OH, 45601-1789
M-F 9:00 am - 5:00 pm Sat 9:00 am - 12:00 pm
Huber Heights
2933 Harshman Rd, Dayton, OH, 45424-5041
M-F 9:00 am - 5:00 pm Sat 9:00 am - 12:00 pm
Miami Valley Hospital
1 Wyoming St, Dayton, OH, 45409-2722
M-T-Th-F 7:30 am - 4:00 pm Wed 7:30 am - 10:30 am
Sidney
2835 Michigan St, Sidney, OH, 45365-8622
M-F 9:00 am - 5:00 pm Sat 9:00 am - 12:00 pm
Sugarcreek
6270 Wilmington Pike, Dayton, OH, 45459
M-F 9:00 am - 5:00 pm Sat 9:00 am - 12:00 pm
Vandalia
718 S Dixie Dr, Vandalia, OH, 45377
M-F 9:00 am - 5:00 pm SAT 9:00 am - 12:00 pm
Austin Park
9900 Springboro Pike, Miamisburg, OH, 45342-4536
Monday-Friday 9:00 am - 5:00 pm Saturday 9:00 am - 12:00 pm
Mortgage Lending (HMDA)
Credit unions that originate mortgages report Home Mortgage Disclosure Act (HMDA) data to the CFPB. This data covers application volumes, approvals, denials, and borrower demographics.
Consumer Complaints
No CFPB complaint data available for this credit union.
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<a href="https://bankscorer.com/credit-union/universal-1" target="_blank" rel="noopener">View UNIVERSAL 1 on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.