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National Credit Union Service Organization

UNIVERSAL 1 CREDIT UNION

Dec, 31, 2023 — UNIVERSAL 1 CREDIT UNION is a federally insured state chartered credit union headquartered in DAYTON, OH with 9 branch locations and about $417.04 million in total assets. Opened 87 years ago in 1937, UNIVERSAL 1 CREDIT UNION has about 48,021 members and employs 80 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.


ABA Routing Number: 242278072
Name:UNIVERSAL 1 CREDIT UNION
Address:
(Main Office)
1 River Park Dr
DAYTON, OH 45409-2104
Phone:(937) 225-6800
Fax:(937) 225-9266
Website:https://www.universal1cu.org
Branches:9 branch locations
Members:48,021
Credit Union Type:Federally Insured State Chartered Credit Union
Charter Number:64970
Membership Type:State chartered natural person
Corporate Credit Union:No
Year Opened:1937
Last Audited:Sep 01, 2023
FHLB Member:Yes
Low Income Designation:No
Assets:$417,035,586
CEO/Manager:Jessica Jones
Chairperson:Jeffrey Gammell

Call Report

  • First Time Homebuyer Program
  • International Remittances
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 53,276,664
TOTAL INVESTMENTS 0
Loans Held for Sale 0
 
 Real Estate Loans 71,010,893
 Unsecured Loans 19,673,073
 Other Loans 158,599,588
 TOTAL LOANS 249,283,554
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -6,197,785
 Land And Building 6,651,676
 Other Fixed Assets 1,654,678
 NCUSIF Deposit 3,854,716
 All Other Assets 1,174,633
  TOTAL ASSETS 417,035,586
LIABILITIES & CAPITAL:  
 Dividends Payable 126,449
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 2,713,319
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 77,384,943
 Regular shares 143,195,480
 All Other Shares & Deposits 154,189,712
  TOTAL SHARES & DEPOSITS 374,770,135
  TOTAL LIABILITIES 377,657,026
 Regular Reserve 0
 Other Reserves -7,087,504
 Undivided Earnings 46,466,064
  TOTAL EQUITY 39,378,560
  TOTAL LIABILITIES, SHARES, & EQUITY 417,035,586
INCOME & EXPENSE  
 Loan Income 16,112,521
 Investment Income 5,006,552
 Other Income 2,372,844
 Total Employee Compensation & Benefits 6,081,076
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 7,648,075
 Non-operating Income & (Expense) -16,092
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 6,633,534
 Cost of Funds 3,213,242
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 3,142,466
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