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
Contact & Details
NCUAWebsite
Phone
Address
Branch Locations
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.
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%
| Year | Applications | Originated | Denials | Orig. Rate | Denial Rate |
|---|---|---|---|---|---|
| 2023 | 275 | 184 | 38 | 66.9% | 13.8% |
| 2022 | 342 | 238 | 50 | 69.6% | 14.6% |
| 2021 | 409 | 262 | 58 | 64.1% | 14.2% |
No CFPB complaint data available for this credit union.
Main 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
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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.
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