We introduce three universality classes of chiral random matrix ensemb
les with a nonzero chemical potential and real, complex or quaternion
real matrix elements. In the thermodynamic limit we find that the dist
ribution of the eigenvalues in the complex plane does not depend on th
e Dyson index, and is given by the solution proposed by Stephanov. For
a finite number of degrees of freedom, N, we find an accumulation of
eigenvalues on the imaginary axis for real matrices, whereas for quate
rnion real matrices we find a depletion of eigenvalues in this domain.
This effect is of order 1/root N. In particular for the real case the
resolvent shows a discontinuity of order 1/root N. These results are
in agreement with lattice QCD simulations with staggered fermions and
recent instanton liquid simulations both for two colors and a nonzero
chemical potential. [S0556-2821(97)04221-5].