Sep, 30, 2025 — UNIVERSAL 1 CREDIT UNION is a federally insured state chartered credit union headquartered in DAYTON, OH with 9 branch locations and about $419.49 million in total assets. Opened 89 years ago in 1937, UNIVERSAL 1 CREDIT UNION has about 39,768 members and employs 73 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| 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: | 39,768 |
| 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, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $419,488,961 |
| CEO/Manager: | Jessica Jones |
| Chairperson: | Jeffrey Gammell |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 43,956,337 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 91,862,880 |
| Unsecured Loans | 17,140,660 |
| Other Loans | 106,559,887 |
| TOTAL LOANS | 215,563,427 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -9,177,947 |
| Land And Building | 6,329,600 |
| Other Fixed Assets | 2,688,092 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 3,601,127 |
| All Other Assets | 402,661 |
| TOTAL ASSETS | 419,488,961 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 149,653 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 3,555,156 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 75,630,567 |
| Regular shares | 131,428,911 |
| All Other Shares & Deposits | 159,913,408 |
| TOTAL SHARES & DEPOSITS | 366,972,886 |
| TOTAL LIABILITIES | 370,680,765 |
| Regular Reserve | 0 |
| Other Reserves | -2,266,278 |
| Undivided Earnings | 51,074,474 |
| TOTAL EQUITY | 48,808,196 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 419,488,961 |
| INCOME & EXPENSE | |
| Loan Income | 10,968,063 |
| Investment Income | 4,899,522 |
| Other Income | 1,747,545 |
| Total Employee Compensation & Benefits | 5,716,039 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 6,585,280 |
| Non-operating Income & (Expense) | -14,538 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 4,274,290 |
| Cost of Funds | 3,785,009 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 3,878,909 |
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