UNITEDONE CREDIT UNION: Form 990, tax year 2023

View the entire original 990 at ProPublica ↗

Organization: UNITEDONE CREDIT UNION (EIN 39-0126914)
Tax period: 2023-01-01 to 2023-12-31
Filed: 2024-04-25
IRS object ID: 202431169349301753
Schema version: 2023v5.0
Source: Download XML · Original 990 at ProPublica

Every field in the e-filed return. Faint text is the IRS element name, for citing.

Return header
Form 990
Schedule D
Schedule I
Schedule J
Schedule O

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2024-04-25T11:28:22-05:00	ReturnTs
Tax Period End	2023-12-31	TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

Field	Value	IRS element (for citing)
Preparer Firm EIN	390758449	PreparerFirmEIN

Preparer Firm Name PreparerFirmName

Field	Value	IRS element (for citing)
Business Name Line1	WIPFLI LLP	BusinessNameLine1Txt

Preparer US Address PreparerUSAddress

Field	Value	IRS element (for citing)
Address Line1	1502 LONDON ROAD SUITE 200	AddressLine1Txt
City	DULUTH	CityNm
State Abbreviation	MN	StateAbbreviationCd
ZIP	55812	ZIPCd

Field	Value	IRS element (for citing)
Return Type	990	ReturnTypeCd
Tax Period Begin	2023-01-01	TaxPeriodBeginDt

Filer Filer

Field	Value	IRS element (for citing)
EIN	390126914	EIN

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	UNITEDONE CREDIT UNION	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Business Name Control	UNIT	BusinessNameControlTxt
Phone	9206840361	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	1117 SOUTH 10TH STREET	AddressLine1Txt
City	MANITOWOC	CityNm
State Abbreviation	WI	StateAbbreviationCd
ZIP	54220	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	KIMBERLY ROONEY	PersonNm
Person Title	CHIEF EXECUTIVE OFFICER	PersonTitleTxt
Phone	9206840361	PhoneNum
Signature	2024-04-25	SignatureDt
Discuss With Paid Preparer	Yes (1)	DiscussWithPaidPreparerInd

Signing Officer SigningOfficerGrp

Person Full Name PersonFullName

Field	Value	IRS element (for citing)
Person First	KIMBERLY	PersonFirstNm
Person Last	ROONEY	PersonLastNm

Field	Value	IRS element (for citing)
SSN	XXX-XX-XXXX	SSN

Field	Value	IRS element (for citing)
IRS Responsible Prty Info Curr	Yes (1)	IRSResponsiblePrtyInfoCurrInd

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	MICHAEL J PETERSON CPA	PreparerPersonNm
PTIN	P01833529	PTIN
Phone	2187224705	PhoneNum
Preparation	2024-04-25	PreparationDt

Additional Filer Information AdditionalFilerInformation

Trusted Customer TrustedCustomerGrp

Field	Value	IRS element (for citing)
Trusted Customer	2	TrustedCustomerCd
Authentication Assurance Level	AAL1	AuthenticationAssuranceLevelCd
Identity Assurance Level	IAL1	IdentityAssuranceLevelCd

Field	Value	IRS element (for citing)
Tax	2023	TaxYr
Build TS	2023-04-26 12:10:37Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Principal Officer	KIMBERLY ROONEY	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	1117 SOUTH 10TH STREET	AddressLine1Txt
City	MANITOWOC	CityNm
State Abbreviation	WI	StateAbbreviationCd
ZIP	54220	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$17,000,592	GrossReceiptsAmt
Group Return For Affiliates	0	GroupReturnForAffiliatesInd
Group Exemption	2157	GroupExemptionNum
Organization501c	Yes (X)	Organization501cInd
Website Address	WWW.UNITEDONE.ORG	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1938	FormationYr
Legal Domicile State	WI	LegalDomicileStateCd
Activity Or 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.	ActivityOrMissionDesc
Voting Members Governing Body	9	VotingMembersGoverningBodyCnt
Voting Members Independent	9	VotingMembersIndependentCnt
Total Employee	105	TotalEmployeeCnt
Total Volunteers	9	TotalVolunteersCnt
Total Gross UBI	$58,302	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	$0	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$0	PYContributionsGrantsAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$13,401,878	PYProgramServiceRevenueAmt
CY Program Service Revenue	$15,197,908	CYProgramServiceRevenueAmt
PY Investment Income	$1,005,425	PYInvestmentIncomeAmt
CY Investment Income	$1,552,632	CYInvestmentIncomeAmt
PY Other Revenue	$27,131	PYOtherRevenueAmt
CY Other Revenue	$112,048	CYOtherRevenueAmt
PY Total Revenue	$14,434,434	PYTotalRevenueAmt
CY Total Revenue	$16,862,588	CYTotalRevenueAmt
PY Grants And Similar Paid	$51,466	PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid	$64,466	CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members	$0	PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members	$0	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$6,728,791	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$7,401,381	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$5,918,796	PYOtherExpensesAmt
CY Other Expenses	$7,634,396	CYOtherExpensesAmt
PY Total Expenses	$12,699,053	PYTotalExpensesAmt
CY Total Expenses	$15,100,243	CYTotalExpensesAmt
PY Revenues Less Expenses	$1,735,381	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$1,762,345	CYRevenuesLessExpensesAmt
Total Assets BOY	$301,556,486	TotalAssetsBOYAmt
Total Assets EOY	$303,119,099	TotalAssetsEOYAmt
Total Liabilities BOY	$271,358,733	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$271,243,268	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$30,197,753	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$31,875,831	NetAssetsOrFundBalancesEOYAmt
Info In Schedule O Part III	Yes (X)	InfoInScheduleOPartIIIInd
Mission	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 ASSIST YOUTH WITH FINANCIAL LITERACY, UNITEDONE CREDIT UNION ALSO HAS 7 SCHOOL OFFICES. MEMBERS ARE PROVIDED WITH A FULL RANGE OF PRODUCTS AND SERVICES INCLUDING CHECKING, SAVINGS, LOANS AND INVESTMENT AND BUSINESS SERVICES.	MissionDesc
Significant New Program Srvc	0	SignificantNewProgramSrvcInd
Significant Change	0	SignificantChangeInd
Desc	IN 2023, WE HAD PRODUCED A TOTAL OF $77,739,322 IN CONSUMER, BUSINESS, MORTGAGE, AND SECONDARY MARKET LOAN VOLUMES - THIS INCLUDES LOANS SOLD INTO THE SECONDARY MARKET OF $7,583,961. WE HAD NET LOAN GROWTH OF $12,019,465 IN CONSUMER, BUSINESS, AND MORTGAGE LOANS. THERE WERE 43,397 DEPOSIT ACCOUNTS. THE NUMBER OF MEMBERS AT YEAR END WERE 19,436 WITH A POTENTIAL MARKET OF 250,022.	Desc

Prog Srvc Accom Acty2 ProgSrvcAccomActy2Grp

Field	Value	IRS element (for citing)
Desc	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.	Desc

Prog Srvc Accom Acty3 ProgSrvcAccomActy3Grp

Field	Value	IRS element (for citing)
Desc	WE LAUNCHED A NEW DIGITAL BANKING PLATFORM FOR BUSINESS MEMBERS TO BETTER MEET THEIR NEEDS. THIS ALLOWS THE BUSINESS OWNER TO GRANT SPECIFIC ACCESS VIA DIGITAL BANKING TO SUCH INDIVIDUALS AS AN OFFICE MANAGER OR TAX ADVISOR.IN 2023 WE ALSO LAUNCHED OLLIE, OUR AUTOMATED PHONE ATTENDENT, TO HELP SERVE MEMBERS MORE EFFICIENTLY WHEN CALLING IN WITH CERTAIN QUESTIONS OR REQUESTS.	Desc

Field	Value	IRS element (for citing)
Described In Section501c3	0	DescribedInSection501c3Ind
Schedule B Required	0	ScheduleBRequiredInd
Political Campaign Acty	0	PoliticalCampaignActyInd
Subject To Proxy Tax	0	SubjectToProxyTaxInd
Donor Advised Fund	0	DonorAdvisedFundInd
Conservation Easements	0	ConservationEasementsInd
Collections Of Art	0	CollectionsOfArtInd
Credit Counseling	0	CreditCounselingInd
Donor Rstr Or Quasi Endowments	0	DonorRstrOrQuasiEndowmentsInd
Report Land Building Equipment	Yes (1)	ReportLandBuildingEquipmentInd
Report Investments Other Sec	0	ReportInvestmentsOtherSecInd
Report Program Related Invst	0	ReportProgramRelatedInvstInd
Report Other Assets	0	ReportOtherAssetsInd
Report Other Liabilities	Yes (1)	ReportOtherLiabilitiesInd
Include FIN48 Footnote	0	IncludeFIN48FootnoteInd
Independent Audit Fincl Stmt	0	IndependentAuditFinclStmtInd
Consolidated Audit Fincl Stmt	0	ConsolidatedAuditFinclStmtInd
School Operating	0	SchoolOperatingInd
Foreign Office	0	ForeignOfficeInd
Foreign Activities	0	ForeignActivitiesInd
More Than5000 K To Org	0	MoreThan5000KToOrgInd
More Than5000 K To Individuals	0	MoreThan5000KToIndividualsInd
Professional Fundraising	0	ProfessionalFundraisingInd
Fundraising Activities	0	FundraisingActivitiesInd
Gaming Activities	0	GamingActivitiesInd
Operate Hospital	0	OperateHospitalInd
Grants To Organizations	Yes (1)	GrantsToOrganizationsInd
Grants To Individuals	0	GrantsToIndividualsInd
Schedule J Required	Yes (1)	ScheduleJRequiredInd
Tax Exempt Bonds	0	TaxExemptBondsInd
Loan Outstanding	0	LoanOutstandingInd
Grant To Related Person	0	GrantToRelatedPersonInd
Business Rln With Org Mem	0	BusinessRlnWithOrgMemInd
Business Rln With Fam Mem	0	BusinessRlnWithFamMemInd
Business Rln With35 Ctrl Ent	0	BusinessRlnWith35CtrlEntInd
Deductible Non Cash Contri	0	DeductibleNonCashContriInd
Deductible Art Contribution	0	DeductibleArtContributionInd
Terminate Operations	0	TerminateOperationsInd
Partial Liquidation	0	PartialLiquidationInd
Disregarded Entity	0	DisregardedEntityInd
Related Entity	0	RelatedEntityInd
Related Organization Ctrl Ent	0	RelatedOrganizationCtrlEntInd
Activities Conducted Prtshp	0	ActivitiesConductedPrtshpInd
Schedule O Required	Yes (1)	ScheduleORequiredInd
IRP Document	5077	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (1)	BackupWthldComplianceInd
Employee	105	EmployeeCnt
Employment Tax Returns Filed	Yes (1)	EmploymentTaxReturnsFiledInd
Unrelated Bus Incm Over Limit	Yes (1)	UnrelatedBusIncmOverLimitInd
Form990 T Filed	Yes (1)	Form990TFiledInd
Foreign Financial Account	0	ForeignFinancialAccountInd
Prohibited Tax Shelter Trans	0	ProhibitedTaxShelterTransInd
Taxable Party Notification	0	TaxablePartyNotificationInd
Nondeductible Contributions	0	NondeductibleContributionsInd
Indoor Tanning Services	0	IndoorTanningServicesInd
Subj To Tax Rmnrtn Ex Prcht Pymt	0	SubjToTaxRmnrtnExPrchtPymtInd
Subject To Excs Tax Net Invst Inc	0	SubjectToExcsTaxNetInvstIncInd
Info In Schedule O Part VI	Yes (X)	InfoInScheduleOPartVIInd
Governing Body Voting Members	9	GoverningBodyVotingMembersCnt
Independent Voting Member	9	IndependentVotingMemberCnt
Family Or Business Rln	0	FamilyOrBusinessRlnInd
Delegation Of Mgmt Duties	0	DelegationOfMgmtDutiesInd
Change To Org Documents	0	ChangeToOrgDocumentsInd
Material Diversion Or Misuse	0	MaterialDiversionOrMisuseInd
Members Or Stockholders	Yes (1)	MembersOrStockholdersInd
Election Of Board Members	Yes (1)	ElectionOfBoardMembersInd
Decisions Subject To Approva	Yes (1)	DecisionsSubjectToApprovaInd
Minutes Of Governing Body	Yes (1)	MinutesOfGoverningBodyInd
Minutes Of Committees	Yes (1)	MinutesOfCommitteesInd
Officer Mailing Address	0	OfficerMailingAddressInd
Local Chapters	Yes (1)	LocalChaptersInd
Policies Reference Chapters	Yes (1)	PoliciesReferenceChaptersInd
Form990 Provided To Gvrn Body	Yes (1)	Form990ProvidedToGvrnBodyInd
Conflict Of Interest Policy	Yes (1)	ConflictOfInterestPolicyInd
Annual Disclosure Covered Prsn	Yes (1)	AnnualDisclosureCoveredPrsnInd
Regular Monitoring Enfrc	Yes (1)	RegularMonitoringEnfrcInd
Whistleblower Policy	Yes (1)	WhistleblowerPolicyInd
Document Retention Policy	Yes (1)	DocumentRetentionPolicyInd
Compensation Process CEO	Yes (1)	CompensationProcessCEOInd
Compensation Process Other	Yes (1)	CompensationProcessOtherInd
Investment In Joint Venture	0	InvestmentInJointVentureInd
Upon Request	Yes (X)	UponRequestInd

Books In Care Of Detail BooksInCareOfDetail

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	ASHLEY VANDERMAUSE	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Phone	9206522548	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	1117 SOUTH 10TH STREET	AddressLine1Txt
City	MANITOWOC	CityNm
State Abbreviation	WI	StateAbbreviationCd
ZIP	54220	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (16 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd	OfficerOfficerInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt	Highest Compensated EmployeeHighestCompensatedEmployeeInd
JOHN SCHULTZ
CHAIRMAN	2.00	Yes (X)	Yes (X)	$0	$0	$0
LARRY BAHR
VICE CHAIR	2.00	Yes (X)	Yes (X)	$0	$0	$0
JILL PICKETT
TREASURER	2.00	Yes (X)	Yes (X)	$0	$0	$0
SHERRY REZBA
SECRETARY	2.00	Yes (X)	Yes (X)	$0	$0	$0
KATELYN BURTON
BOARD MEMBER	2.00	Yes (X)		$0	$0	$0
MARY JO CAPODICE
BOARD MEMBER	2.00	Yes (X)		$0	$0	$0
BETH SNYDER
BOARD MEMBER	2.00	Yes (X)		$0	$0	$0
JAKE WENZEL
BOARD MEMBER	2.00	Yes (X)		$0	$0	$0
MERCY YANG
BOARD MEMBER	2.00	Yes (X)		$0	$0	$0
KIMBERLY ROONEY
CHIEF EXECUTIVE OFFICER	50.00		Yes (X)	$342,464	$0	$76,984
ASHLEY VANDERMAUSE
CHIEF FINANCIAL OFFICER	50.00		Yes (X)	$219,248	$0	$36,413
TAMMY PELLETIER
CHIEF OPERATIONS OFFICER	50.00			$196,447	$0	$53,468	Yes (X)
AMY SONNEMANN
CHIEF LENDING OFFICER	50.00			$183,558	$0	$54,353	Yes (X)
LAURA FIELDING
CHIEF HR OFFICER	50.00			$172,606	$0	$28,518	Yes (X)
JASON MUENCH
FINANCIAL PLANNER	50.00			$139,161	$0	$21,032	Yes (X)
ERIC KUMMER
TECHNOLOGY SERVICES DIRECT	50.00			$165,667	$0	$27,429	Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$1,419,151	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$298,197	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	12	IndivRcvdGreaterThan100KCnt
Former Ofcr Employees Listed	0	FormerOfcrEmployeesListedInd
Total Comp Greater Than150 K	Yes (1)	TotalCompGreaterThan150KInd
Compensation From Other Srcs	0	CompensationFromOtherSrcsInd

Contractor Compensation ContractorCompensationGrp (5 entries)

Address Line1ContractorAddress/USAddress/AddressLine1Txt	CityContractorAddress/USAddress/CityNm	State AbbreviationContractorAddress/USAddress/StateAbbreviationCd	ZIPContractorAddress/USAddress/ZIPCd	ServicesServicesDesc	CompensationCompensationAmt
IT GROUP LLC
30230 ORCHARD LAKE RD STE 260	FARMINGTON HILLS	MI	48334	IT CONSULTING/CORE SERVICER	$585,459
THINK STACK
PO BOX 791585	BALTIMORE	MD	21279	IT SERVICE PROVIDER	$476,591
VISA INC
ONE MARKET PLAZA	SAN FRANCISCO	CA	94105	DEBIT CARD SERVICES	$287,239
EDGE ONE
161 BUSINESS PARK CIRCLE	STOUGHTON	WI	53589	HARDWARE & SOFTWARE MAINTENANCE	$277,167
KASA LTD
PO BOX 527	LUBBOCK	TX	79408	REWARDS CHECKING	$141,705

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	8	CntrctRcvdGreaterThan100KCnt

Program Service Revenue ProgramServiceRevenueGrp (5 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt	Unrelated Business RevenueUnrelatedBusinessRevenueAmt
INTEREST ON LOANS	522291	$10,430,885	$10,430,885
CREDIT AND DEBIT CARD INCOME	522100	$2,311,244	$2,288,342	$22,902
FEE INCOME	522100	$1,018,118	$1,018,118
INSURANCE INCOME	524298	$832,184	$796,784	$35,400
LOAN INCOME	522291	$385,338	$385,338

Total Oth Program Service Rev TotalOthProgramServiceRevGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$220,139	TotalRevenueColumnAmt
Related Or Exempt Func Income	$220,139	RelatedOrExemptFuncIncomeAmt

Field	Value	IRS element (for citing)
Total Program Service Revenue	$15,197,908	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$1,537,999	TotalRevenueColumnAmt
Exclusion	$1,537,999	ExclusionAmt

Gross Amount Sales Assets GrossAmountSalesAssetsGrp

Field	Value	IRS element (for citing)
Other	$152,637	OtherAmt

Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp

Field	Value	IRS element (for citing)
Other	$138,004	OtherAmt

Gain Or Loss GainOrLossGrp

Field	Value	IRS element (for citing)
Other	$14,633	OtherAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$14,633	TotalRevenueColumnAmt
Exclusion	$14,633	ExclusionAmt

Miscellaneous Revenue MiscellaneousRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$112,048	TotalRevenueColumnAmt
Exclusion	$112,048	ExclusionAmt

Field	Value	IRS element (for citing)
Other Revenue Total	$112,048	OtherRevenueTotalAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$16,862,588	TotalRevenueColumnAmt
Related Or Exempt Func Income	$15,139,606	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$58,302	UnrelatedBusinessRevenueAmt
Exclusion	$1,664,680	ExclusionAmt

Grants To Domestic Orgs GrantsToDomesticOrgsGrp

Field	Value	IRS element (for citing)
Total	$62,466	TotalAmt

Grants To Domestic Individuals GrantsToDomesticIndividualsGrp

Field	Value	IRS element (for citing)
Total	$2,000	TotalAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$675,109	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$5,116,744	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$158,281	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$1,019,805	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$431,442	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$13,256	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$61,344	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$395,242	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$304,433	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$865,630	TotalAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$1,316,417	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$355,006	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$18,112	TotalAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$129,313	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$135,135	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$753,083	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$131,876	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
DIVIDENDS PAID ON MEMBE	$1,622,140
ATM & CREDIT CARD FEES	$658,357
LOAN & PROCESSING FEES	$563,460
DUES & MEMBERSHIPS	$113,776

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$197,816	TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$15,100,243	TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$5,664,400	BOYAmt
EOY	$5,965,060	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$22,923,053	BOYAmt
EOY	$13,833,966	EOYAmt

Accounts Receivable AccountsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$496,644	BOYAmt
EOY	$643,457	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$231,237,181	BOYAmt
EOY	$243,429,274	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$937,984	BOYAmt
EOY	$924,582	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$11,738,311	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$7,696,590	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$4,424,295	BOYAmt
EOY	$4,041,721	EOYAmt

Investments Pub Traded Sec InvestmentsPubTradedSecGrp

Field	Value	IRS element (for citing)
BOY	$22,134,422	BOYAmt
EOY	$18,964,052	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$2,708,327	BOYAmt
EOY	$4,191,204	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$11,030,180	BOYAmt
EOY	$11,125,783	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$301,556,486	BOYAmt
EOY	$303,119,099	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$4,487,748	BOYAmt
EOY	$4,911,018	EOYAmt

Escrow Account Liability EscrowAccountLiabilityGrp

Field	Value	IRS element (for citing)
BOY	$306,696	BOYAmt
EOY	$86,281	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$266,564,289	BOYAmt
EOY	$266,245,969	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$271,358,733	BOYAmt
EOY	$271,243,268	EOYAmt

Field	Value	IRS element (for citing)
Org Does Not Follow FASB117	Yes (X)	OrgDoesNotFollowFASB117Ind

Cap Stk Tr Prin Current Funds CapStkTrPrinCurrentFundsGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Pd In Cap Srpls Land Bldg Eqp Fund PdInCapSrplsLandBldgEqpFundGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Rtn Earn Endowment Incm Oth Fnds RtnEarnEndowmentIncmOthFndsGrp

Field	Value	IRS element (for citing)
BOY	$30,197,753	BOYAmt
EOY	$31,875,831	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$30,197,753	BOYAmt
EOY	$31,875,831	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$301,556,486	BOYAmt
EOY	$303,119,099	EOYAmt

Field	Value	IRS element (for citing)
Info In Schedule O Part XI	Yes (X)	InfoInScheduleOPartXIInd
Reconcilation Revenue Expnss	$1,762,345	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	$571,629	NetUnrlzdGainsLossesInvstAmt
Other Changes In Net Assets	-$655,896	OtherChangesInNetAssetsAmt
Method Of Accounting Accrual	Yes (X)	MethodOfAccountingAccrualInd
Accountant Compile Or Review	0	AccountantCompileOrReviewInd
FS Audited	0	FSAuditedInd
Federal Grant Audit Required	0	FederalGrantAuditRequiredInd

Schedule D IRS990ScheduleD

Field	Value	IRS element (for citing)
Agent Trustee Etc	0	AgentTrusteeEtcInd
Incl Escrow Custodial Acct Liab	Yes (1)	InclEscrowCustodialAcctLiabInd
Explanation Provided	Yes (X)	ExplanationProvidedInd

Land LandGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$717,998	OtherCostOrOtherBasisAmt
Book Value	$717,998	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$6,488,407	OtherCostOrOtherBasisAmt
Depreciation	$4,626,595	DepreciationAmt
Book Value	$1,861,812	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$3,351,720	OtherCostOrOtherBasisAmt
Depreciation	$2,553,755	DepreciationAmt
Book Value	$797,965	BookValueAmt

Other Land Buildings OtherLandBuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$1,180,186	OtherCostOrOtherBasisAmt
Depreciation	$516,240	DepreciationAmt
Book Value	$663,946	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$4,041,721	TotalBookValueLandBuildingsAmt

Other Liabilities Org OtherLiabilitiesOrgGrp

Field	Value	IRS element (for citing)
Desc	SHARES & DRAFTS	Desc
Amt	$266,245,969	Amt

Field	Value	IRS element (for citing)
Total Liability	$266,245,969	TotalLiabilityAmt

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	PART IV, LINE 2B:	FormAndLineReferenceDesc
Explanation	THE ORGANIZATION IS THE TRUSTEE OF CERTAIN MEMBER'S ESCROW FUNDS AND HAS FIDUCIARY RESPONSIBILITY FOR THE ADMINISTRATION AND DISTRIBUTION OF THESE FUNDS FOR MEMBERS OF THE ORGANIZATION.	ExplanationTxt

Schedule I IRS990ScheduleI

Field	Value	IRS element (for citing)
Grant Records Maintained	Yes (1)	GrantRecordsMaintainedInd

Recipient Table RecipientTable

Recipient Business Name RecipientBusinessName

Field	Value	IRS element (for citing)
Business Name Line1	SHEBOYGAN COUNTY CHAMBER OF COMMERCE INC	BusinessNameLine1Txt

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	621 S 8TH STREET	AddressLine1Txt
City	SHEBOYGAN	CityNm
State Abbreviation	WI	StateAbbreviationCd
ZIP	53081	ZIPCd

Field	Value	IRS element (for citing)
Recipient EIN	390610430	RecipientEIN
IRC Section	501(C)(6)	IRCSectionDesc
Cash Grant	$7,900	CashGrantAmt
Non Cash Assistance	$0	NonCashAssistanceAmt
Purpose Of Grant	SPONSORSHIP	PurposeOfGrantTxt

Field	Value	IRS element (for citing)
Total501c3 Org	0	Total501c3OrgCnt
Total Other Org	1	TotalOtherOrgCnt

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	PART I, LINE 2:	FormAndLineReferenceDesc
Explanation	THE ORGANIZATION WORKS CLOSELY WITH THE ORGANIZATIONS IT SELECTS TO GIVE TO AND MONITORS THE USE OF THOSE FUNDS.	ExplanationTxt

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Compensation Survey	Yes (X)	CompensationSurveyInd
Board Or Committee Approval	Yes (X)	BoardOrCommitteeApprovalInd
Severance Payment	0	SeverancePaymentInd
Supplemental Nonqual Rtr Plan	Yes (1)	SupplementalNonqualRtrPlanInd
Equity Based Comp Arrngm	0	EquityBasedCompArrngmInd

Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp (7 entries)

TitleTitleTxt	Base Compensation Filing OrgBaseCompensationFilingOrgAmt	Compensation Based On Rltd OrgsCompensationBasedOnRltdOrgsAmt	Bonus Filing OrganizationBonusFilingOrganizationAmount	Bonus Related OrganizationsBonusRelatedOrganizationsAmt	Other Compensation Filing OrgOtherCompensationFilingOrgAmt	Other Compensation Rltd OrgsOtherCompensationRltdOrgsAmt	Deferred Compensation Flng OrgDeferredCompensationFlngOrgAmt	Deferred Comp Rltd OrgsDeferredCompRltdOrgsAmt	Nontaxable Benefits Filing OrgNontaxableBenefitsFilingOrgAmt	Nontaxable Benefits Rltd OrgsNontaxableBenefitsRltdOrgsAmt	Total Compensation Filing OrgTotalCompensationFilingOrgAmt	Total Compensation Rltd OrgsTotalCompensationRltdOrgsAmt	Comp Report Prior990 Filing OrgCompReportPrior990FilingOrgAmt	Comp Report Prior990 Rltd OrgsCompReportPrior990RltdOrgsAmt
KIMBERLY ROONEY
CHIEF EXECUTIVE OFFICER	$289,491	$0	$51,207	$0	$1,766	$0	$50,964	$0	$26,020	$0	$419,448	$0	$0	$0
ASHLEY VANDERMAUSE
CHIEF FINANCIAL OFFICER	$185,709	$0	$33,074	$0	$465	$0	$35,196	$0	$1,217	$0	$255,661	$0	$0	$0
TAMMY PELLETIER
CHIEF OPERATIONS OFFICER	$165,277	$0	$30,040	$0	$1,130	$0	$31,908	$0	$21,560	$0	$249,915	$0	$0	$0
AMY SONNEMANN
CHIEF LENDING OFFICER	$148,907	$0	$29,370	$0	$5,281	$0	$29,551	$0	$24,802	$0	$237,911	$0	$0	$0
LAURA FIELDING
CHIEF HR OFFICER	$145,848	$0	$26,263	$0	$495	$0	$27,566	$0	$952	$0	$201,124	$0	$0	$0
ERIC KUMMER
TECHNOLOGY SERVICES DIRECT	$149,739	$0	$15,765	$0	$163	$0	$26,511	$0	$918	$0	$193,096	$0	$0	$0
JASON MUENCH
FINANCIAL PLANNER	$26,767	$0	$105,012	$0	$7,382	$0	$7,497	$0	$13,535	$0	$160,193	$0	$0	$0

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	PART I, LINE 3	FormAndLineReferenceDesc
Explanation	THE FOLLOWING EMPLOYEES PARTICIPATE IN A 457(F) PLAN WITH THE CREDIT UNION AND DEFERRED THE FOLLOWING AMOUNTS TO THE PLAN WHICH IS INCLUDED IN SCH J PART II COLUMN C: KIMBERLY ROONEY $38,322 TAMMY PELLETIER $21,960 AMY SONNEMANN $21,205 LAURA FIELDING $18,960 ASHLEY VANDERMAUSE $24,225 ERIC KUMMER $18,236 THERE WERE NO PAYOUTS FROM THE 457(F) PLAN TO ANY OF THE PARTICIPATING EMPLOYEES DURING 2023.	ExplanationTxt

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (8 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
FORM 990, PART VI, SECTION A, LINE 6	THE ORGANIZATION IS MADE UP OF MEMBERS.
FORM 990, PART VI, SECTION A, LINE 7A	AN ANNUAL MEETING IS HELD WHERE MEMBERS VOTE AND ELECT THE BOARD MEMBERS.
FORM 990, PART VI, SECTION A, LINE 7B	MERGERS, NAME CHANGES, AND CHARTER CHANGES MUST BE APPROVED BY THE MEMBERS.
FORM 990, PART VI, SECTION B, LINE 11B	THE CEO AND CFO REVIEW FORM 990 BEFORE PRESENTING THE RETURN TO THE BOARD OF DIRECTORS FOR APPROVAL AND FILING WITH THE INTERNAL REVENUE SERVICE.
FORM 990, PART VI, SECTION B, LINE 12C	THE CONFLICT OF INTEREST POLICY IS SELF-POLICED BY EMPLOYEES COMING FORWARD. IF A CONFLICT EXISTS, AND IF EMPLOYEES HAVE ANY INFLUENCE ON TRANSACTIONS INVOLVING PURCHASES, CONTRACTS, OR LEASES, IT IS IMPERATIVE THAT THEY DISCLOSE TO AN OFFICER OF UNITEDONE AS SOON AS POSSIBLE, THE EXISTENCE OF ANY ACTUAL OR POTENTIAL CONFLICT OF INTEREST SO THAT SAFEGUARDS CAN BE ESTABLISHED TO PROTECT ALL PARTIES.
FORM 990, PART VI, SECTION B, LINE 15	EACH EMPLOYEE IS EVALUATED ANNUALLY, SALARIES ARE INCREASED BASED ON THEIR INDIVIDUAL PERFORMANCE, PLACEMENT ON THEIR PAY GRADE, AND LENGTH OF SERVICE IN THEIR CURRENT POSITION. PAY GRADES ARE DETERMINED USING THE SALARY AND SURVEY INFORMATION FROM BALANCEDCOMP.
FORM 990, PART VI, SECTION C, LINE 19	THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS AVAILABLE UPON REQUEST.
FORM 990, PART XI, LINE 9:	CECL ONE-TIME ADJUSTMENT TO UNDIVIDED EARNINGS -655,896.