UNIVERSAL 1

Charter #64970 | OH

100M-500M (1077 CUs) Micro
58 100M-500M in OH

UNIVERSAL 1 has 11 strengths but faces 13 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 1.5% in tier
  • + Relationship Depth Leader: Top 13.1% in tier
  • + ROA 0.44% above tier average
  • + Net Interest Margin 0.24% above tier average
  • + Total Members: Top 1.5% in tier
  • + AMR Growth Rate: Top 2.9% in tier
  • + Members Per Employee (MPE): Top 3.3% in tier
  • + Total Deposits: Top 7.2% in tier
  • + Total Assets: Top 7.6% in tier
  • + Fee Income Per Member: Top 7.8% in tier
  • + Efficiency Ratio: Top 8.5% in tier

Key Concerns

Areas that may need attention

  • - Membership Headwinds: Bottom 0.8% in tier
  • - Stagnation Risk: Bottom 2.5% in tier
  • - Institutional Decline: Bottom 5.2% in tier
  • - Indirect Auto Dependency: Bottom 9.5% in tier
  • - Liquidity Overhang: Bottom 22.8% in tier
  • - Delinquency rate 1.15% above tier average
  • - Member decline: -14.9% YoY
  • - Member Growth Rate: Bottom 1.5% in tier
  • - Net Charge-Off Rate: Bottom 2.2% in tier
  • - Total Delinquency Rate (60+ days): Bottom 6.7% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 8.4% in tier
  • - Average Member Relationship (AMR): Bottom 8.6% in tier
  • - Indirect Auto Concentration (%): Bottom 9.8% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Members 39,768
-14.9% YoY+14.7% QoQ
 +24.1K 15,628
-3.4% YoY
 16,553
+5.8% YoY
 33,089
+6.1% YoY
 Top 1.6% in tier
Assets $419.5M
+0.8% YoY-1.1% QoQ
 +$188.2M $231.3M
-0.0% YoY
 $245.2M
+8.8% YoY
 $547.7M
+7.8% YoY
 Top 7.7% in tier
Loans $215.6M
-2.0% YoY-0.2% QoQ
 +$67.8M $147.8M
-1.4% YoY
 $170.6M
+8.7% YoY
 $388.7M
+8.6% YoY
 Top 21.4% in tier
Deposits $367.0M
-0.8% YoY-1.5% QoQ
 +$166.7M $200.3M
-0.0% YoY
 $209.1M
+9.7% YoY
 $464.6M
+9.3% YoY
 Top 7.3% in tier
ROA 1.2%
+542.1% YoY-20.5% QoQ
 +0.4% 0.8%
+15.5% YoY
 0.5%
-7.3% YoY
 0.7%
+273.4% YoY
 Top 20.6% in tier
NIM 3.8%
-4.4% YoY+1.0% QoQ
 +0.2% 3.6%
+6.9% YoY
 3.7%
+3.3% YoY
 3.7%
+5.0% YoY
 64th in tier
Efficiency Ratio 60.1%
-12.3% YoY+12.2% QoQ
 -17.1% 77.3%
-3.0% YoY
 83.9%
+3.6% YoY
 79.1%
-3.3% YoY
 Bottom 8.5% in tier
Delinquency Rate 2.0%
-8.9% YoY-5.1% QoQ
 +1.1 0.9%
+7.6% YoY
 1.5%
+29.9% YoY
 1.2%
-0.9% YoY
 Top 6.7% in tier
Loan To Share 58.7%
-1.2% YoY+1.3% QoQ
 -14.0% 72.7%
-1.5% YoY
 63.8%
-2.4% YoY
 68.0%
-1.7% YoY
 Bottom 20.0% in tier
AMR $14,648
+16.1% YoY-13.8% QoQ
 $-10K $24,363
+2.9% YoY
 $17,099
+5.9% YoY
 $19,418
+1.3% YoY
 Bottom 8.5% in tier
CD Concentration 20.8%
-3.2% YoY+0.7% QoQ
 -3.6% 24.4%
+4.2% YoY
 19.2%
+8.0% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 38.0%
-22.4% YoY-9.6% QoQ
 +24.1% 14.0%
-5.8% YoY
 11.2%
-0.8% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#41 of 1006 • Top 1.5% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 16.11%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Relationship Depth Leader

growth
#362 of 1006 • Top 13.1% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 16.11%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $1.9K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (5)

Membership Headwinds

decline
#14 of 550 • Bottom 0.8% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -14.91%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Stagnation Risk

risk
#42 of 550 • Bottom 2.5% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 1.23%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -14.91%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $14.6K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 20.84%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Institutional Decline

decline
#42 of 256 • Bottom 5.2% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $419.49M
(Tier: $231.30M, National: $547.69M)
but better than tier avg
Member Growth (YoY): -14.91%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -1.97%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
256 of 1077 Community CUs have this signature | 293 nationally
↓ Shrinking -43 CUs YoY | Rank worsening

Indirect Auto Dependency

risk
#153 of 525 • Bottom 9.5% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 0.78%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 38.02%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -14.91%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank worsening

Liquidity Overhang

risk
#354 of 552 • Bottom 22.8% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 12.18%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 58.74%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | New qualifier

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 1077 peers in tier

Top Strengths (10 metrics)

17
Total Members
engagement
Value: 39,768
Peer Avg: 15,628
#17 of 1077 Top 1.5% in 100M-500M tier
32
AMR Growth Rate
growth
Value: 16.11%
Peer Avg: 3.64%
#32 of 1077 Top 2.9% in 100M-500M tier
37
Members Per Employee (MPE)
engagement
Value: 544.767
Peer Avg: 332.881
#37 of 1077 Top 3.3% in 100M-500M tier
79
Total Deposits
balance_sheet
Value: $366.97M
Peer Avg: $200.29M
#79 of 1077 Top 7.2% in 100M-500M tier
83
Total Assets
balance_sheet
Value: $419.49M
Peer Avg: $231.30M
#83 of 1077 Top 7.6% in 100M-500M tier
85
Fee Income Per Member
profitability
Value: $280.69
Peer Avg: $174.31
#85 of 1077 Top 7.8% in 100M-500M tier
93
Efficiency Ratio
profitability
Value: 60.14%
Peer Avg: 77.28%
#93 of 1077 Top 8.5% in 100M-500M tier
179
First Mortgage Concentration (%)
balance_sheet
Value: 13.10%
Peer Avg: 30.43%
#179 of 1077 Top 16.5% in 100M-500M tier
222
Return on Assets (ROA)
profitability
Value: 1.23%
Peer Avg: 0.79%
#222 of 1077 Top 20.5% in 100M-500M tier
231
Total Loans
balance_sheet
Value: $215.56M
Peer Avg: $147.80M
#231 of 1077 Top 21.4% in 100M-500M tier

Top Weaknesses (9 metrics)

1062
Member Growth Rate
growth
Value: -14.91%
Peer Avg: 0.72%
#1062 of 1077 Bottom 1.5% in 100M-500M tier
1054
Net Charge-Off Rate
risk
Value: 1.74%
Peer Avg: 0.47%
#1054 of 1077 Bottom 2.2% in 100M-500M tier
1006
Total Delinquency Rate (60+ days)
risk
Value: 2.01%
Peer Avg: 0.86%
#1006 of 1077 Bottom 6.7% in 100M-500M tier
987
Loan-to-Member Ratio (LMR)
engagement
Value: $5,421
Peer Avg: $10,245
#987 of 1077 Bottom 8.4% in 100M-500M tier
985
Average Member Relationship (AMR)
engagement
Value: $14,648
Peer Avg: $24,363
#985 of 1077 Bottom 8.6% in 100M-500M tier
972
Indirect Auto Concentration (%)
balance_sheet
Value: 38.02%
Peer Avg: 13.34%
#972 of 1077 Bottom 9.8% in 100M-500M tier
929
Deposit Growth Rate
growth
Value: -0.76%
Peer Avg: 4.69%
#929 of 1077 Bottom 13.8% in 100M-500M tier
862
Loan-to-Share Ratio
balance_sheet
Value: 58.74%
Peer Avg: 72.70%
#862 of 1077 Bottom 20.1% in 100M-500M tier
821
Asset Growth Rate
growth
Value: 0.78%
Peer Avg: 4.70%
#821 of 1077 Bottom 23.9% in 100M-500M tier