Mission: STATE-CHARTERED CREDIT UNION ORGANIZED TO PROVIDE MEMBERS WITH FINANCIAL SERVICES AND PRODUCTS.

0197 UNIVERSAL 1 CREDIT UNION INC is a 501(c)(14) organization, with an IRS ruling year of 1969, and donations may or may not be tax-deductible.

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Contact Information

  www.universal1cu.org

 1 RIVER PARK DR
DAYTON OH 45409-2104



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Encompass Rating System by Charity Navigator


Overall Score

Not Currently Scored

Encompass Scores are calculated from one or more Beacon Scores. Currently, we require either a Finance & Accountability Beacon, or an Impact & Results Beacon, to be eligible for an Encompass Score. See below to learn why this organization is not eligible.

  • This organization is ineligible for a Finance & Accountability score. Find out why.

  • This organization is ineligible for a Impact & Results score. Find out why.


Learn about the Encompass Rating System: Overview | FAQ | Release Notes

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...   Finance & Accountability


This score provides an assessment of a nonprofit's financial health (stability, efficiency and sustainability) and its commitment to governance practices and policies.


Finance & Accountability Score

Not currently scored

This organization cannot be evaluated because it is not a 501(c)(3) IRS registered nonprofit

Charity Navigator currently only evaluates nonprofits registered with the IRS as 501(c)(3) organizations. 501(c)(3) nonprofits are tax-exempt and eligible to receive tax-deductible contributions.


Note: The absence of a score does not indicate a positive or negative assessment, it only indicates that we have not yet evaluated this organization.


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Additional Information

Unscored

This beta feature is currently viewable only on desktop or tablet screens. Check back later for updates.

Total Revenue and Expenses

Total Revenue and Expenses

No Data Available


Revenue and expense data is not available for this organization. This data is only available if this charity has at least one year of electronically-filed Form 990 data.

Salary of Key Persons

Presented here are up to five of this organization's highest compensated employees. This compensation data includes salary, cash bonuses, and expense accounts and is displayed exactly how it is reported to the IRS. The amounts include salary, cash bonuses, and expense accounts. The amounts do not include nontaxable benefits, deferred compensation, or other amounts not reported on Form W-2. Read the IRS policies for compensation reporting



LOREN A RUSH, PRESIDENT/CEO

$352,465


SHANNON R MALONEY, EVP - MIS/CORP SVCS

$165,160


JESSICA O JONES, SVP - FINANCE

$155,793


THOMAS KEYES, SVP - MEMBER SERVICES

$102,692


DEBORAH L LUTZ, AVP - MEMBER ACCOUNTS

$97,692


Source: IRS Form 990 (page 7), filing year 2019

Business Master File Data

Below are some key data points from the Exempt Organization IRS Business Master File (BMF) for this organization. Learn more about the BMF on the IRS website


Activities:

Endowment fund or financial services (BMF activity code: 922)

Loans or credit reporting (BMF activity code: 921)


Foundation Status:

All organizations except 501(c)(3) (BMF foundation code: 00)


Affiliation:

Subordinate - the organization is a subordinate in a group ruling. (BMF affiliation code: 9)

Data Sources: IRS Forms 990

The Form 990 is a document that nonprofit organizations file with the IRS annually. We leverage finance and accountability data from it to form Encompass ratings. Click here to view this organization's Forms 990 on the IRS website (if any are available).

...   Impact & Results


This score estimates the actual impact a nonprofit has on the lives of those it serves, and determines whether it is making good use of donor resources to achieve that impact.


Impact & Results Score

Not Currently Scored

0197 UNIVERSAL 1 CREDIT UNION INC cannot currently be evaluated by our Encompass Rating Impact & Results methodology because either (A) it is eligible, but we have not yet received data; (B) we have not yet developed an algorithm to estimate its programmatic impact; (C) its programs are not direct services; or (D) it is not heavily reliant on contributions from individual donors.

Note: The absence of a score does not indicate a positive or negative assessment, it only indicates that we have not yet evaluated the organization.

Learn more about Impact & Results.

Do you work at 0197 UNIVERSAL 1 CREDIT UNION INC? Join the waitlist for an updated Impact & Results score.


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Additional Information

Unscored

This beta feature is currently viewable only on desktop or tablet screens. Check back later for updates.

Largest Programs

Largest Programs



0197 UNIVERSAL 1 CREDIT UNION INC reported its two largest programs on its FY 2019 Form 990 as:


$0

Spent in most recent FY

Not applicable

Percent of program expenses


LENDING TO CREDIT UNION MEMBERS. WE PROVIDED 8,826 CREDIT CARD AND LINE OF CREDIT LOANS; 13,413 VEHICLE LOANS; 1,343 MORTGAGE LOANS; AND 760 OTHER LOANS TO MEMBERS IN 2019.


$0

Spent in most recent FY

NaN%

Percent of program expenses


PROVIDING FINANCIAL SERVICES TO CREDIT UNION MEMBERS. WE PROVIDED 28,212 CHECKING ACCOUNTS; 44,082 SAVINGS ACCOUNTS; 1,016 MONEY MARKET ACCOUNTS; 3,967 CERTIFICATE OF DEPOSITS; 1,663 RETIREMENT ACCOUN ... (More)


...   Leadership & Adaptability


This score provides an assessment of the organization's leadership capacity, strategic thinking and planning, and ability to innovate or respond to changes in constituent demand/need or other relevant social and economic conditions to achieve the organization's mission.


Leadership & Adaptability Score

Not Currently Scored

0197 UNIVERSAL 1 CREDIT UNION INC is currently not eligible for a Leadership & Adaptability score because we have not received its L&A survey responses.

Note: The absence of a score does not indicate a positive or negative assessment, it only indicates that the organization has not yet submitted data for evaluation.


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...   Culture & Community


This score provides an assessment of the organization's engagement with the constituents it serves, a practice we term Constituent Feedback. When organizations listen to constituents, they are able to better deliver on programs and meet the needs of stakeholders. A future version of this Beacon will also assess an organization's people operations and its Diversity, Equity and Inclusion (DEI) metrics.


Culture & Community Score

Not Currently Scored

0197 UNIVERSAL 1 CREDIT UNION INC is currently not eligible for a Culture & Community score because we have not received its Constituent Feedback data. Nonprofit organizations are encouraged to fill out the How We Listen section of their Candid profile. This data will provide the basis for the initial evaluation of Culture & Community.

Note: The absence of a score does not indicate a positive or negative assessment, it only indicates that we have not yet evaluated the organization.


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Culture & Community Report

Unscored

This beta feature is currently viewable only on desktop or tablet screens. Check back later for updates.

Constituent Feedback

Constituent Feedback


Constituent Feedback and Listening Practice data are not available for this organization. Nonprofit organizations are encouraged to fill out the How We Listen section of their Candid profile. This data will provide the basis for the initial evaluation of Culture & Community.


Charity Navigator believes nonprofit organizations that engage in inclusive practices, such as collecting feedback from the people and communities they serve, may be more effective. We award every nonprofit that completes the Candid survey full credit for this Beacon, in recognition of their willingness to publicly share this information with the nonprofit and philanthropic communities. Although the data is not evaluated for quality at this time, future iterations of this Beacon will include third party or other data that will serve to validate the information provided by the nonprofit.

Analysis and Research


Like the overall Encompass Rating System, the Culture & Community Beacon is designed to evolve as metrics are developed and ready for integration. Our partnership with Feedback Labs and Guidestar by Candid, and other partners including Fund for Shared Insight, GlobalGiving, and Keystone Accountability, enables us to launch the first version of this beacon with Constituent Feedback information collected on Candid's site.


Feedback practices have been shown to support better Diversity, Equity, and Inclusion outcomes, an essential area of assessment that we intend to further expand and develop in the future. Feedback Labs has documented several studies which indicate that beyond achieving organizational goals, nonprofits that are attentive and responsive to concerns and ideas raised by beneficiaries establish stronger relationships with the people they serve, promote greater equity, and empower constituents in ways that can help to ensure better long-term outcomes. You can find resources to help nonprofits improve their feedback practices here.

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