Credit Union Safety Analysis
Is Universal 1 Credit Union, Inc. Safe? Dayton, Ohio
Based on its Q2 2026 NCUA 5300 call report, Universal 1 Credit Union, Inc. has a net worth ratio of 12.42%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.53%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Universal 1 Credit Union, Inc.'s net worth ratio is 12.42%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.42%
- Delinquency ratio (60+ days) (Q2 2026): 1.53%
- Return on assets (Q2 2026): 0.83%
- Loan-to-share ratio (Q2 2026): 57.98%
Universal 1 Credit Union, Inc. (NCUA charter 64970, established 1937) reported $424.7M in assets and 37,976 members for Q2 2026 from Dayton, Ohio. It ranks 25 of 191 credit unions in Ohio by total assets. Total assets grew 0.2% from $424.1M on June 30, 2025. It has 3,316 more members than on June 30, 2025 (+9.6%). Its net worth ratio was up 0.52 percentage points from 11.90% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $73.1M of $214.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.53% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 12.09% for Q1 2026; 11.90% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 1.13% for Q1 2026; 2.12% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.59% for Q1 2026; 0.43% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 55.70% for Q1 2026; 57.98% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $73.1M
- Used vehicle loans: $63.9M
- Commercial loans: $31.1M
- New vehicle loans: $25.3M
- Other unsecured loans and lines of credit: $9.4M
- Unsecured credit card loans: $9.0M
- Other secured non-real estate loans and lines of credit: $2.7M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $424.7M | 12.42% | 1.53% | 0.83% | 57.98% |
| March 31, 2026 | $429.1M | 12.09% | 1.13% | 0.59% | 55.70% |
| December 31, 2025 | $422.2M | 12.14% | 1.69% | 0.17% | 57.68% |
| September 30, 2025 | $419.5M | 12.18% | 2.01% | 0.58% | 58.74% |
| June 30, 2025 | $424.1M | 11.90% | 2.12% | 0.43% | 57.98% |
| March 31, 2025 | $424.2M | 11.79% | 1.75% | 2.66% | 57.63% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Universal 1 Credit Union, Inc. profile
Regulator records: NCUA credit union profile (charter 64970) · FFIEC NIC profile (RSSD 150893)
Frequently asked questions
Is Universal 1 Credit Union, Inc. well capitalized?
On its Q2 2026 NCUA 5300 call report, Universal 1 Credit Union, Inc.'s net worth ratio is 12.42%, above the 7% NCUA threshold for well capitalized.
Is Universal 1 Credit Union, Inc. FDIC insured?
No. The FDIC insures banks, not credit unions. Universal 1 Credit Union, Inc. is a federally insured credit union (NCUA charter 64970): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Universal 1 Credit Union, Inc.'s key safety ratios?
For Q2 2026, Universal 1 Credit Union, Inc. reports net worth 12.42%, delinquency 1.53%, ROA 0.83%, loan-to-share 57.98%.
What happens to my money if Universal 1 Credit Union, Inc. fails?
For Q2 2026, Universal 1 Credit Union, Inc. held $370.1M in shares and deposits for 37,976 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.