0197 Universal 1 Credit Union Inc
501(c)(14)
Only null% goes to programs Strong reserves Growing revenue
0197 Universal 1 Credit Union Inc is a 501(c)(14) organization based in Dayton, Ohio, registered in 1969, with $26,354,343 in FY2023 revenue. CharityIndex grades it B.
1 River Park Dr, Dayton, OH, 45409 EIN 31-0387145 Since 1969
Revenue (FY2023)
$26.4M
▲ 28.3% vs prior year
Expenses (FY2023)
$23.6M
Net assets
$39.4M
Employees
—
CharityIndex rating
One independent A+ to F grade from four published criteria, each scored separately from IRS filings and combined by weight.
B
★★★★
Rated on 2 of 4 criteria — the rest aren't reported in this filing type.
Held down by its weakest criterion — a strong score on one criterion can't hide a weak one.
How the rating works →—Program efficiency40% of the ratingNo expense breakdown in filings
Measures how much of every dollar spent actually reaches programs, plus what it costs to raise $100 of donations. The worse of the two measures sets the letter (85%+ to programs is an A; under $15 to raise $100 is an A), averaged over the three most recent filings. Not scored for 0197 Universal 1 Credit Union Inc— this filing type doesn't report it, and the rating simply skips it (never counts it against the organization). See the exact thresholds →
AFinancial health25% of the rating20 mo reserves · +11% margin
Measures whether the organization is built to last: how many months its reserves would cover expenses (3+ months earns an A-range score, but hoarding 5+ years of budget is capped) and whether it runs a surplus or a deficit. For 0197 Universal 1 Credit Union Inc: 20 mo reserves · +11% margin earns a A on this criterion. See the exact thresholds →
—Governance25% of the ratingNot reported in this filing type
Checks how the organization is run, from its own Form 990: an independent board majority, a board of five or more, conflict-of-interest, whistleblower and document-retention policies, and independently audited financials. The share of disclosed checks that pass sets the letter. Not scored for 0197 Universal 1 Credit Union Inc— this filing type doesn't report it, and the rating simply skips it (never counts it against the organization). See the exact thresholds →
CTransparency10% of the rating2 of 5 disclosure signals
Counts five disclosure signals: a recent filing, a mission statement, program descriptions, a listed website, and the full expense breakdown. More disclosure, better letter. For 0197 Universal 1 Credit Union Inc: 2 of 5 disclosure signals earns a C on this criterion. See the exact thresholds →
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Contact & location
Financial trends
Revenue grew from $21.0M (FY2013) to $26.4M (FY2023) across 11 reported years.
Financial snapshot
Financial health & position (FY2023)
Liabilities $377.7MNet assets $39.4M
Operating margin
10.5%
Revenue exceeded expenses in the latest fiscal year.
Total assets
$417.0M
Total liabilities
$377.7M
Net assets
$39.4M
Financials by year
| Fiscal year | Revenue | Expenses | Net assets | Total assets | Form |
|---|---|---|---|---|---|
| 2023 | $26,354,343▲28.3% | $23,575,926▲28.4% | $39,378,561▲17.9% | $417,035,587▼8.0% | 990 |
| 2022 | $20,536,966▲8.2% | $18,365,211▲22.4% | $33,408,731▼16.8% | $453,082,352▼4.8% | 990 |
| 2021 | $18,974,323▲3.1% | $15,002,754▼14.5% | $40,157,105▲5.8% | $475,826,892▲5.1% | 990 |
| 2020 | $18,399,361▼14.1% | $17,554,896▼11.0% | $37,972,642▲2.5% | $452,632,301▲6.8% | 990 |
| 2019 | $21,416,297▲0.2% | $19,729,060▼3.9% | $37,061,097▲6.0% | $423,716,424▲1.8% | 990 |
| 2018 | $21,366,208▲5.5% | $20,528,883▲5.2% | $34,978,038▲2.5% | $416,141,862▼0.7% | 990 |
| 2017 | $20,245,490▲1.6% | $19,517,603▼1.0% | $34,122,550▲2.1% | $419,065,752▲0.6% | 990 |
| 2016 | $19,919,892▼2.6% | $19,720,875▼2.3% | $33,421,984▲0.3% | $416,366,411▲5.0% | 990 |
| 2015 | $20,458,037▼6.4% | $20,180,338▲2.9% | $33,325,640▼0.2% | $396,604,422▲4.6% | 990 |
| 2014 | $21,865,688▲3.9% | $19,620,879▼2.5% | $33,400,143▲5.8% | $379,036,533▲1.2% | 990 |
| 2013 | $21,036,580 | $20,118,039▲4.0% | $31,574,145▲3.7% | $374,685,551▼1.1% | 990 |
| 2012 | — | $19,340,822▼0.3% | $30,446,525▲5.0% | $378,742,030▲6.8% | 990 |
| 2011 | — | $19,407,674▼3.0% | $28,992,716▲2.1% | $354,727,734▲2.3% | 990 |
| 2010 | — | $20,002,155 | $28,387,368 | $346,666,681 | 990 |
Original Form 990 PDFs (the Form column) are served by ProPublica Nonprofit Explorer, as filed with the IRS. Create a free account to download the CSV report.
Frequently asked questions
- Is 0197 Universal 1 Credit Union Inc a legitimate nonprofit?
- Yes. 0197 Universal 1 Credit Union Inc is a 501(c)(14) organization registered with the U.S. Internal Revenue Service under EIN 31-0387145, based in Dayton, Ohio.
- What is 0197 Universal 1 Credit Union Inc's EIN?
- 0197 Universal 1 Credit Union Inc's Employer Identification Number (EIN) is 31-0387145.
- How much revenue does 0197 Universal 1 Credit Union Inc report?
- 0197 Universal 1 Credit Union Inc reported $26,354,343 in total revenue on its fiscal year 2023 IRS Form 990 filing.
- What financial grade does 0197 Universal 1 Credit Union Inc have?
- CharityIndex grades 0197 Universal 1 Credit Union Inc B, based on financial health (reserves and operating margin).
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Data for 0197 Universal 1 Credit Union Inc (EIN 31-0387145) comes from the IRS Business Master File and e-filed Form 990 returns, via CharityIndex. Figures reflect what the organization reported to the IRS for each fiscal year.