MANITOWOC, WI
4 risk indicators measuring financial stability and operational resilience
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Sign In — Free (10 views/day)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.
UNITEDONE CREDIT UNION IS A COMMUNITY-CHARTERED INSTITUTION OFFERING MEMBERSHIP TO PERSONS LIVING AND WORKING IN THE WISCONSIN COUNTIES OF DOOR, KEWAUNEE, MANITOWOC, AND SHEBOYGAN. SIX BRANCH OFFICES IN MANITOWOC AND SHEBOYGAN SERVICE THE MEMBERS. IN ORDER TO ASSIST YOUTH WITH FINANCIAL LITERACY, UNITEDONE CREDIT UNION ALSO HAS 8 SCHOOL OFFICES. MEMBERS ARE PROVIDED WITH A FULL RANGE OF PRODUCTS AND SERVICES INCLUDING CHECKING, SAVINGS, LOANS AND INVESTMENT AND BUSINESS SERVICES.
IN 2025, WE HAD PRODUCED A TOTAL OF $107,429,009 IN CONSUMER, BUSINESS, MORTGAGE, AND SECONDARY MARKET LOAN VOLUMES - THIS INCLUDES LOANS SOLD INTO THE SECONDARY MARKET OF $7,325,080. WE HAD NET LOAN...
IN 2025, WE HAD PRODUCED A TOTAL OF $107,429,009 IN CONSUMER, BUSINESS, MORTGAGE, AND SECONDARY MARKET LOAN VOLUMES - THIS INCLUDES LOANS SOLD INTO THE SECONDARY MARKET OF $7,325,080. WE HAD NET LOAN GROWTH OF $20,307,953 IN CONSUMER, BUSINESS, AND MORTGAGE LOANS. THERE WERE 43,239 DEPOSIT ACCOUNTS. THE NUMBER OF MEMBERS AT YEAR END WERE 19,017 WITH A POTENTIAL MARKET OF 250,022.
EVEN THOUGH WE'VE OPENED OUR BRANCHES FOR MEMBERS, WE'VE ALSO MAINTAINED CURBSIDE SERVICE AND VIRTUAL APPOINTMENTS WITH MEMBERS SO THEY COULD SAFELY COMPLETE THEIR TRANSACTION WITHOUT THE NEED TO...
EVEN THOUGH WE'VE OPENED OUR BRANCHES FOR MEMBERS, WE'VE ALSO MAINTAINED CURBSIDE SERVICE AND VIRTUAL APPOINTMENTS WITH MEMBERS SO THEY COULD SAFELY COMPLETE THEIR TRANSACTION WITHOUT THE NEED TO ENTER A BRANCH IF PREFERRED.WE ARE ALSO EXCITED TO ANNOUNCE THE LAUNCH OF OUR NEW ONLINE ACCOUNT OPENING PROCESS, AVAILABLE TO BOTH MEMBERS AND NON-MEMBERS. THIS STREAMLINED DIGITAL SOLUTION MAKES IT EASIER AND FASTER FOR ALL USERS TO OPEN ACCOUNTS SECURELY.
WE CONTINUED TO GROW OUR SBA LOAN PROGRAM TO HELP PROVIDE AS MANY FUNDING OPTIONS AS POSSIBLE TO OUR SMALL BUSINESS MEMBERS. THE SBA GUARANTEE ALLOWS UNITEDONE TO ORIGINATE LOANS WITH MORE FAVORABLE...
WE CONTINUED TO GROW OUR SBA LOAN PROGRAM TO HELP PROVIDE AS MANY FUNDING OPTIONS AS POSSIBLE TO OUR SMALL BUSINESS MEMBERS. THE SBA GUARANTEE ALLOWS UNITEDONE TO ORIGINATE LOANS WITH MORE FAVORABLE TERMS TO QUALIFIED MEMBERS THAN ARE AVAILABLE WITHOUT THE SBA GUARANTEE.
Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency
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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)
Sign In — Free (10 views/day)| 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% |
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
Sign In| 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 |
| 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 |
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