CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) (USD $) In Thousands, unless otherwise specified	3 Months Ended
Mar. 31, 2015	Mar. 31, 2014
Cash Flows from Operating Activities
Net income	$ 3,686us-gaap_NetIncomeLoss	$ 2,094us-gaap_NetIncomeLoss
Adjustments to reconcile net income to net cash provided by operating activities
(Recovery) provision for loan losses	(184)ucfc_ProvisionForRecoveryOfLoanLosses	33ucfc_ProvisionForRecoveryOfLoanLosses
Mortgage banking income	(1,553)	(612)
Net losses on real estate owned and other repossessed assets sold	90	383
Net gain on available for sale securities sold	(11)us-gaap_GainLossOnSaleOfSecuritiesNet	(3)us-gaap_GainLossOnSaleOfSecuritiesNet
Net loss (gain) on other assets sold		7us-gaap_GainLossOnSaleOfOtherAssets
Amortization of premiums and accretion of discounts	76	311
Depreciation and amortization	510	491
Net change in interest receivable	555	533
Net change in interest payable	34	35
Net change in prepaid and other assets	(987)	834
Net change in other liabilities	345	(1,991)
Stock based compensation	147	85
Net principal disbursed on loans originated for sale	(55,885)	(26,861)
Proceeds from sale of loans held for sale	46,925	28,081
Net change in deferred tax assets	3,765
Cash surrender value of life insurance	(332)ucfc_LifeInsuranceCashSurrenderedValue	(350)ucfc_LifeInsuranceCashSurrenderedValue
Net change in interest rate caps	54	127
Net cash from operating activities	(2,765)	3,197
Cash Flows from Investing Activities
Proceeds from the principal repayments and maturities of securities available for sale	7,477	5,503
Proceeds from the sale of securities available for sale	5,153	4
Proceeds from the sale of real estate owned and other repossessed assets	751	1,491
Proceeds from the sale of premises and equipment		30
Purchases of premises and equipment	(290)	(198)
Principal disbursed on loans, net of repayments	(19,110)	(32,033)
Loans purchased	(1,304)
Redemption of FHLB stock		8,396
Net cash from investing activities	(7,323)	(16,807)
Cash Flows from Financing Activities
Net increase in checking, savings and money market accounts	64,632	30,239
Net decrease in certificates of deposit	(5,724)us-gaap_IncreaseDecreaseInTimeDeposits	(23,913)us-gaap_IncreaseDecreaseInTimeDeposits
Net decrease in advance payments by borrowers for taxes and insurance	(5,375)	(7,814)
Net change in Federal Home Loan Bank overnight advances	(34,000)
Net change in repurchase agreements and other borrowed funds	(6)	(6)
Proceeds from the exercise of stock options	16	8
Dividends paid	(493)us-gaap_PaymentsOfDividends
Purchase of treasury stock	(277)
Net cash from financing activities	18,773	(1,486)
Change in cash and cash equivalents	8,685	(15,096)
Cash and cash equivalents, beginning of period	32,980	77,331
Cash and cash equivalents, end of period	$ 41,665	$ 62,235

Gain (loss) on real estate owned and other repossessed assets.

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Increase decrease in deferred tax assets.

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Life insurance cash surrendered value.

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Net change in federal home loan bank borrowings.

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Net change in repurchase agreements and other borrowed funds.

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Net decrease in advance payments by borrowers for taxes and insurance.

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Net increase in checking savings and money market accounts.

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Proceeds from redemption of federal home loan bank stock.

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Provision for recovery of loan losses.

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Real estate owned and other repossessed assets proceeds from sale.

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The sum of the periodic adjustments of the differences between securities' face values and purchase prices that are charged against earnings. This is called accretion if the security was purchased at a discount and amortization if it was purchased at premium. As a noncash item, this element is an adjustment to net income when calculating cash provided by or used in operations using the indirect method.

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Amount of increase (decrease) in cash and cash equivalents. Cash and cash equivalents are the amount of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates. Includes effect from exchange rate changes.

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The sum of cash and cash equivalents plus Federal Funds Sold. Cash and cash equivalents consist of short term, highly liquid investments that are readily convertible to known amounts of cash and are so near their maturity that they present negligible risk of changes in value due to changes in interest rates -- usually with an original maturity less than 90 days.

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The noninterest income derived from mortgage banking activities (fees and commissions), excluding fees earned from servicing third-party assets.

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Amount of gain (loss) on sale or disposal of other assets.

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The increase (decrease) during the reporting period in the obligation created by employee agreements whereby earned compensation will be paid in the future.

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The increase (decrease) during the period in the carrying value of derivative instruments reported as assets that are due to be disposed of within one year (or the normal operating cycle, if longer).

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The increase (decrease) during the reporting period in interest payable, which represents the amount owed to note holders, bond holders, and other parties for interest earned on loans or credit extended to the reporting entity.

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Net cash inflow (outflow) of time deposits.

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Amount of cash inflow (outflow) of financing activities, excluding discontinued operations. Financing activity cash flows include obtaining resources from owners and providing them with a return on, and a return of, their investment; borrowing money and repaying amounts borrowed, or settling the obligation; and obtaining and paying for other resources obtained from creditors on long-term credit.

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Amount of cash inflow (outflow) of investing activities, excluding discontinued operations. Investing activity cash flows include making and collecting loans and acquiring and disposing of debt or equity instruments and property, plant, and equipment and other productive assets.

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Amount of cash inflow (outflow) from operating activities, excluding discontinued operations. Operating activity cash flows include transactions, adjustments, and changes in value not defined as investing or financing activities.

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The cash inflow from repayments of the balance excluding interest (principal) on loans receivable and leases held for investment purposes.

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The cash inflow from sale proceeds and collection of repayments from borrowers on loans classified as held-for-sale, including proceeds from loans sold through mortgage securitization; includes mortgages and other types of loans.

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The cash inflow associated with the sale of debt and equity securities classified as available-for-sale securities.

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The cash inflow from the sale of long-lived, physical assets that are used in the normal conduct of business to produce goods and services and not intended for resale.

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The cash inflow associated with the amount received from holders exercising their stock options. This item inherently excludes any excess tax benefit, which the entity may have realized and reported separately.

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