UNITEDONE CREDIT UNION (EIN 390126914) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1938

Legal Domicile

Principal Officer

KIMBERLY ROONEY

Phone

9206840361

Tax Period

2025-01-01 to 2025-12-31

UNITEDONE CREDIT UNION, founded in 1938, is a mid-sized nonprofit that reported $22.4M in total revenue in fiscal year 2025. Revenue grew 15% year-over-year, indicating healthy expansion. Expenses of $20.2M left a modest 10% surplus.

Mission

UNITEDONE CREDIT UNION IS A FINANCIAL COOPERATIVE, NONPROFIT CORPORATION, INCORPORATED UNDER CHAPTER 186 OF THE WISCONSIN STATUTES TO ENCOURAGE THRIFT AMONG ITS MEMBERS, TO CREATE A SOURCE OF CREDIT AT A FAIR AND REASONABLE COST, AND TO PROVIDE AN OPPORTUNITY FOR ITS MEMBERS TO IMPROVE THEIR ECONOMIC AND SOCIAL CONDITIONS.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $19,790,528

Investment Income $2,546,894

Other Revenue $38,367

TOTAL REVENUE $22,375,789

Expense Breakdown

Grants Paid $75,484

Salaries & Benefits $9,053,064

Fundraising Expenses $0

Other Expenses $8,549,486

TOTAL EXPENSES $20,211,697

Year-over-Year Comparison

	2025	2024	Change
Revenue	$22,375,789	$19,461,519	+0.1%
Expenses	$20,211,697	$16,923,121	+0.2%
Net Income	$2,164,092	$2,538,398	-0.1%

Key Indicators

✓ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

114

Volunteers

Governance Policies

✓ Conflict of Interest Policy

✓ Whistleblower Policy

✓ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$1,054,493

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SHERRY REZBA	CHAIRPERSON	2.00	Officer Director	$0	$0	$0
LARRY BAHR	VICE CHAIR	2.00	Officer Director	$0	$0	$0
JILL PICKETT	TREASURER	2.00	Officer Director	$0	$0	$0
JOHN SCHULTZ	SECRETARY	2.00	Officer Director	$0	$0	$0
KATELYN BURTON	BOARD MEMBER (THRU MAY 2025)	2.00	Director	$0	$0	$0
MARY JO CAPODICE	BOARD MEMBER	2.00	Director	$0	$0	$0
JOE SCHUH	BOARD MEMBER	2.00	Director	$0	$0	$0
BETH SNYDER	BOARD MEMBER	2.00	Director	$0	$0	$0
JAKE WENZEL	BOARD MEMBER	2.00	Director	$0	$0	$0
MERCY YANG	BOARD MEMBER	2.00	Director	$0	$0	$0
KIMBERLY ROONEY	CHIEF EXECUTIVE OFFICER	50.00	Officer	$585,148	$39,352	$624,500
ASHLEY VANDERMAUSE	CHIEF FINANCIAL OFFICER	50.00	Officer	$355,635	$74,358	$429,993
TAMMY PELLETIER	CHIEF OPERATIONS OFFICER	50.00	Highest	$330,730	$65,981	$396,711
AMY SONNEMANN	CHIEF LENDING OFFICER	50.00	Highest	$309,154	$66,930	$376,084
LAURA FIELDING	CHIEF HR OFFICER	50.00	Highest	$291,245	$37,875	$329,120
ERIC KUMMER	CHIEF TECHNOLOGY OFFICER	50.00	Highest	$182,832	$69,136	$251,968
JASON MUENCH	FINANCIAL OFFICER	50.00	Highest	$202,995	$32,947	$235,942

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2025	$22,375,789	$20,211,697	$329,060,351	$2,164,092
2024	$19,461,519	$16,923,121	$307,338,971	$2,538,398
2023	$16,862,588	$15,100,243	$303,119,099	$1,762,345
2022	$14,434,434	$12,699,053	$301,556,486	$1,735,381
2021	$14,151,081	$12,417,605	$299,215,044	$1,733,476
2020	$13,902,994	$12,585,669	$265,008,570	$1,317,325
2019	$13,268,546	$12,184,286	$222,664,580	$1,084,260
2018	$12,576,035	$11,106,671	$214,445,959	$1,469,364

UNITEDONE CREDIT UNION