Compared with Ohio
5 of 25
compared fees are above the median.
12 below, 8 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
NCUA 5300 call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee income
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee-income share of revenue
44th percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Ohio median
of 25 compared; 12 below, 8 about the same
See the feesFee schedule read Oct 21, 2026
Call-report figures are for Universal 1 Federal Credit Union, from NCUA 5300 call reports. Revenue is interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | NCUA 5300 call report Account 010 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Revenue | Revenue (interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 115 + Account 117 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee income | Fee income (NCUA 5300 Account 131) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 131 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee-income share of revenue | Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income) Year to date through the quarter. Median and percentile from each of 569 credit unions with $300M to $1B in assets reporting a share above 0%, this one left out. | NCUA 5300 call report Account 131 / (Account 115 + Account 117) | Q2 2026 Year to date | Not recorded |
| Fees above the Ohio median | Published fees above the Ohio median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Universal 1 Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 21, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 7.3% of revenue, below the 7.9% median of 569 credit unions with $300M to $1B in assets (44th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Fee income was $470K in Q2 2026, 21% below the same quarter a year earlier ($596K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
5 of 25 compared published fees sit above the Ohio median; 12 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Ohio medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $10, the middle of its prices
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Ohio, the Cleveland district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 18% from Q3 2025 to Q2 2026, to $470K. Its share of revenue, 7.3%, is below the 7.9% median for credit unions with $300M to $1B in assets.
$470K
Universal 1 Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 569 credit unions with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $3 to $15; we compare the midpoint.
Universal 1 Federal Credit Union · $425M in assets
The 25 credit unions closest in assets
Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Universal 1 Federal Credit Union(this institution) | Dayton, OH | $425M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 1St Community Federal Credit Union | San Angelo, TX | $422M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Acadia Federal Credit Union | Fort Kent, ME | $413M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Alcoa Tenn Federal Credit Union | Alcoa, TN | $427M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Alliance Federal Credit Union | Fenton, MO | $423M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| America'S Federal Credit Union | Garland, TX | $428M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Carolina Trust Federal Credit Union | Myrtle Beach, SC | $422M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Cdc Federal Credit Union | Atlanta, GA | $414M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Chessie Federal Credit Union | Cumberland, MD | $434M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Co-Op Credit Union of Montevideo | Montevideo, MN | $423M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Coosa Pines Federal Credit Union | Childersburg, AL | $421M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Cport Federal Credit Union | Portland, ME | $435M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Dexsta Federal Credit Union | Wilmington, DE | $432M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Essential Federal Credit Union | Baton Rouge, LA | $434M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Glendale Area Schools Federal Credit Union | Glendale, CA | $422M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| High Point Federal Credit Union | Olean, NY | $430M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Honolulu Federal Credit Union | Honolulu, HI | $423M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Membersfirst Federal Credit Union | Decatur, GA | $429M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mocse Federal Credit Union | Modesto, CA | $426M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Platinum Federal Credit Union | Duluth, GA | $413M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Public Employees Federal Credit Union | Austin, TX | $431M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Rocky Mountain Federal Credit Union | Helena, MT | $427M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Signature Federal Credit Union | Alexandria, VA | $421M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Streator Onized Federal Credit Union | Streator, IL | $423M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Telco Community Credit Union | Candler, NC | $429M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Ukrainian Federal Credit Union | Rochester, NY | $427M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 8 publish this fee(monthly maintenance)
17 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $10, the middle of its three prices, against a peer median of $4.98 among 8 publishing peers.
Its three checking prices are $3, $10 and $15.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026. Total assets from FDIC and NCUA records.
Call reports for Universal 1 Federal Credit Union (credit union). Income lines are standalone quarters.
Fee income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $470K | +$10K | +2.2% |
| Q1 2026 | $460K | −$47K | −9.3% |
| Q4 2025 | $507K | −$68K | −11.8% |
| Q3 2025 | $575K | −$21K | −3.5% |
| Q2 2025 | $596K | +$19K | +3.3% |
| Q1 2025 | $577K | −$61K | −9.6% |
| Q4 2024 | $638K | −$15K | −2.3% |
| Q3 2024 | $653K | +$49K | +8.1% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, Universal 1 Federal Credit Union left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Universal 1 Federal Credit Union by share.
Amounts from Universal 1 Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per month
per month
per hour
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Freedom Express Checking Monthly fee | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Signature Service Charge, per Month | $3Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Universal Freedom 500 Checking Service Charge, per month | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Signature Service Charge, per Month, if aggregate daily balance falls below $300 | $3Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Main Account Closed, if closed within 6 months of opening | $15Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Inactive Account, per month, per suffix, on account balances of $50.00 or less, after 12 months of inactivity on all accounts | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research / Reconciliation (per hour minimum) | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Money Market Account Excessive Withdrawal, per withdrawal | $5Inside the U.S. middle 50% ($3 to $10 nationally) | per item | None |
| Returned Statement for Invalid Address | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Paid NSF – ATM/Debit POS | $30Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Paid NSF (per presentment) | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| NSF/UCF (per presentment) | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Returned ACH Debit (per presentment) | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Overdraft Transfer (per transfer) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| ATM Network Fee | $1.50Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| ATM / VDC Replacement | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfer Domestic (per transfer) | $20Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Incoming Wire Fee | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfer International (per transfer) | $40Inside the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| Cashier’s Check (per item) – 2nd Party | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Order (per item) | $2Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payment (per request) | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment (per request) | No chargeBelow the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Starter Checks per 8 | No chargeBelow the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Non-member Check Cashing Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Cashier’s Check Photocopy (per item) | $8Above the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Check Photocopy (per item) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Copy of Deposited Check (per item) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Debit Card Draft Copy | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Cash & Deposit | |||
| Coin Machine | No chargeInside the U.S. middle 50% ($0 to $2 nationally) | Not stated | None |
| Returned Deposited Item (per item) | $30Above the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| 10 x 10 Safe Deposit Box | $100Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| 10 x 3 Safe Deposit Box | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| 10 x 6 Safe Deposit Box | $65Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| 5 x 1.5 Safe Deposit Box | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| 5 x 2.5 Safe Deposit Box | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Drilling of Boxes | $150Not compared: Box drilling or key fee | Not stated | None |
| Levies and Garnishments | $25Below the U.S. middle 50% ($30 to $87.50 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA /HSA Account Closed, if closed within 6 months of opening | $15Below the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Interim Statements | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Statement Copy (per statement) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Oct 21, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Universal 1 Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
9 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Dayton, OH | 4 |
| Beavercreek, OH | 1 |
| Chillicothe, OH | 1 |
| Miamisburg, OH | 1 |
| Sidney, OH | 1 |
| Vandalia, OH | 1 |
Largest competitors nearby
Local market: Montgomery and Greene counties, OH, around its headquarters.
| 31 in its local market | Deposit share |
|---|---|
| Fifth Third Bank, National Association | 26.9% |
| JPMorgan Chase Bank, National Association | 17.7% |
| PNC Bank, National Association | 13.7% |
| KeyBank National Association | 9.3% |
| U.S. Bank National Association | 8.3% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
We check once a day and send one email covering every change.