UNIVERSAL 1
Charter #64970 · Dayton, OH · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 38,419 ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.00% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.13% sits at the 89th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.60% sits at the 93rd percentile of structural peers — worth a closer look.
- Efficiency ratio of 69.56% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | UNIVERSAL 1 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $429.09M | 93th pct | 89th pct |
| Members | 38,419 | 99th pct | 93th pct |
| Net worth ratio | 12.09% | 58th pct | 49th pct |
| Return on average assets | 0.60% | 42th pct | 39th pct |
| Net interest margin | 3.67% | 51th pct | 56th pct |
| Cost of funds | 0.00% | 1th pct | 5th pct |
| Loan-to-share | 55.70% | 19th pct | 23th pct |
| Delinquency 60+ days | 1.13% | 81th pct | 89th pct |
| Net charge-off ratio | 1.60% | 97th pct | 93th pct |
| Loan growth YoY | -3.03% | 17th pct | 18th pct |
| Share growth YoY | 2.26% | 31th pct | 25th pct |
| Efficiency ratio | 69.56% | 24th pct | 11th pct |
structural peer set hash: 1c59daea4ae13efa4d5ea6a208a2d0c7… (reproducible)
Closest structural peers
This is the free public view
Claim UNIVERSAL 1
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.