ZUnclassifiedEIN: 310387145· Ruling Year: 1969

0197 Universal 1 Credit Union Inc

Dayton, Ohio

B+Health Score
72B+

Financial Health Score

9-metric score across financial health, operational efficiency, and organizational resilience. Based on IRS Form 990 data.

Good

How This Organization Compares

Compared to 111 peers in Unclassified with $10M-$100M revenue

Working Capital Ratio (net assets ÷ expenses)

This Org1.67×
Peer Median5.86×
💰
$26.4M
Total Revenue
📊
$23.6M
Total Expenses
🏦
$39.4M
Net Assets
📋
$377.7M
Total Liabilities

Financial Trends

5-Year Trend Analysis

Financial Health Indicators

Revenue Growth
+28.3%
Year-over-year change (2022 → 2023)
Net Margin
+10.5%
Revenue minus expenses as % of revenue
Working Capital Ratio
1.67
Net assets divided by total expenses
Liabilities-to-Assets
90.6%
Total liabilities as % of total assets

Filing History

13 filings on record
YearRevenueExpensesAssets
2023$26,354,34328%$23,575,92628%$417,035,5878%
2022$20,536,9668%$18,365,21122%$453,082,3525%
2021$18,974,3233%$15,002,75415%$475,826,8925%
2020$18,399,36114%$17,554,89611%$452,632,3017%
2019$21,416,297$19,729,0604%$423,716,4242%
2018$21,366,2086%$20,528,8835%$416,141,8621%
2017$20,245,4902%$19,517,6031%$419,065,7521%
2016$19,919,8923%$19,720,8752%$416,366,4115%
2015$20,458,0376%$20,180,3383%$396,604,4225%
2014$21,865,6884%$19,620,8792%$379,036,5331%
2013$21,036,5801%$20,118,0394%$374,685,5511%
2012$20,809,1775%$19,340,822$378,742,0307%
2011$19,868,048$19,407,674$354,727,734

Frequently Asked Questions

What does 0197 Universal 1 Credit Union Inc do?

0197 Universal 1 Credit Union Inc is a unclassified nonprofit organization based in Ohio. It is classified under NTEE code Z and is registered as a 501(c) tax-exempt organization with the IRS.

Is 0197 Universal 1 Credit Union Inc financially healthy?

Based on our 9-metric Financial Health Score model, 0197 Universal 1 Credit Union Inc has a score of 72/100 (Grade: B+). This score evaluates working capital, surplus consistency, debt ratio, revenue trends, program spending, fundraising efficiency, executive compensation, revenue diversification, and vulnerability indicators.

How much revenue does 0197 Universal 1 Credit Union Inc generate?

0197 Universal 1 Credit Union Inc reports $26.4M in annual revenue and holds $417.7M in total assets, based on IRS filings.

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