2022-05-10T13:34:08-05:00 2021-12-31 390758449 WIPFLI LLP PO BOX 8010 WAUSAU WI 544028010 990 2021-01-01 390126914 UNITEDONE CREDIT UNION UNIT 9206840361 1117 SOUTH 10TH STREET MANITOWOC WI 54220 KIMBERLY ROONEY CHIEF EXECUTIVE OFFICER 9206840361 2022-05-09 1 KIMBERLY ROONEY XXX-XX-XXXX MARY A COATES CPA P00134220 7158453111 2022-05-09 3 AAL1 IAL1 2021 2022-09-23 18:48:47Z KIMBERLY ROONEY 1117 SOUTH 10TH STREET MANITOWOC WI 54220 14171302 0 2157 X WWW.UNITEDONE.ORG X 1938 WI 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. 9 9 111 9 72786 0 0 0 13627298 13746264 201485 316993 74211 87824 13902994 14151081 53627 48573 0 0 6011693 6546089 0 0 0 6520349 5822943 12585669 12417605 1317325 1733476 265008570 299215044 234666425 267632078 30342145 31582966 X 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. SEVEN 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. 0 0 IN 2021, WE HAD PRODUCED A TOTAL OF $127,896,528 IN CONSUMER, BUSINESS, MORTGAGE, AND SECONDARY MARKET LOAN VOLUMES - THIS INCLUDES LOANS SOLD INTO THE SECONDARY MARKET OF $43,553,528. WE HAD NET LOAN GROWTH OF $4,756,519 IN CONSUMER, BUSINESS, AND MORTGAGE LOANS. THERE WERE 42,784 DEPOSIT ACCOUNTS. THE NUMBER OF MEMBERS AT YEAR END WERE 19,723 WITH A POTENTIAL MARKET OF 250,022. MAINTAINED CURBSIDE SERVICE AND IMPLEMENTED VIRTUAL APPOINTMENTS WITH MEMBERS SO THEY COULD SAFELY COMPLETE THEIR TRANSACTION WITHOUT THE NEED TO ENTER A BRANCH DURING THE PANDEMIC. PARTICIPATED IN THE SECOND ROUND OF THE PAYCHECK PROTECTION PROGRAM (PPP) SO SMALL BUSINESSES WITHIN OUR COMMUNITIES COULD ACCESS FUNDS AVAILABLE VIA THE SBA PROGRAM. THIS HELPED THESE BUSINESSES STAY OPERATIONAL DURING THE SAFER AT HOME ORDER AND LOWER SALES DUE TO THE PANDEMIC. 0 0 0 0 0 0 0 0 0 1 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 1 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 5543 0 1 111 1 1 1 0 0 0 0 0 0 0 X 9 9 0 0 0 0 1 1 1 1 1 0 1 1 1 1 1 1 1 1 1 1 0 X ASHLEY VANDERMAUSE 9206522548 1117 SOUTH 10TH STREET MANITOWOC WI 54220 JOHN SCHULTZ CHAIRMAN 2.00 X X 0 0 0 LARRY BAHR VICE CHAIR 2.00 X X 0 0 0 JILL PICKETT TREASURER 2.00 X X 0 0 0 SHERRY REZBA SECRETARY 2.00 X X 0 0 0 KATELYN BURTON BOARD MEMBER 2.00 X 0 0 0 MARY JO CAPODICE BOARD MEMBER 2.00 X 0 0 0 LUKE KELLY BOARD MEMBER 2.00 X 0 0 0 BETH SNYDER BOARD MEMBER 2.00 X 0 0 0 JAKE WENZEL BOARD MEMBER 2.00 X 0 0 0 KIMBERLY ROONEY CHIEF EXECUTIVE OFFICER 50.00 X 296941 0 65059 ASHLEY VANDERMAUSE CHIEF FINANCIAL OFFICER 50.00 X 188573 0 29556 JASON MUENCH FINANCIAL PLANNER 50.00 X 221896 0 24769 AMY SONNEMANN CHIEF LENDING OFFICER 50.00 X 158094 0 55099 TAMMY PELLETIER CHIEF OPERATIONS OFFICER 50.00 X 164020 0 33184 LAURA FIELDING CHIEF HUMAN RESOURCES OFFICER 50.00 X 148794 0 22870 ERIC KUMMER TECHNOLOGY SERVICES DIRECTOR 50.00 X 133655 0 25665 1311973 0 256202 7 0 1 0 IT GROUP LLC 30230 ORCHARD LAKE RD STE 260 FARMINGTON HILLS MI 48334 IT CONSULTING/CORE SERVICER 872237 EDGE ONE 161 BUSINESS PARK CIRCLE STOUGHTON WI 53589 HARDWARE & SOFTWARE MAINTENANCE 272159 AR SMART MARKETING INC PO BOX 302 WATERLOO IA 807040302 MARKETING 111250 MERIDIANLINK INC PO BOX 846822 LOS ANGELES CA 900846822 LOAN SERVICING 101587 4 INTEREST ON LOANS 522291 8418599 8418599 CREDIT AND DEBIT CARD INCOME 522100 2136308 2117644 18664 INSURANCE INCOME 524298 993966 939844 54122 LOAN INCOME 522291 992711 992711 FEE INCOME 522100 849093 849093 355587 355587 13746264 337214 337214 20221 -20221 -20221 -20221 BAD DEBT RECOVERIES 900099 79738 79738 8086 8086 87824 14151081 13753216 72786 325079 46573 2000 580129 4703826 104626 791414 366094 7028 72096 289476 351467 706549 866376 325404 12622 95967 1 859882 121076 ATM & CREDIT CARD FEES 834958 DIVIDENDS PAID ON MEMBE 597841 LOAN & PROCESSING FEES 541819 DUES & MEMBERSHIPS 95357 45024 12417605 6196761 6591007 19113249 39856953 436982 417162 202375475 208381814 502489 886102 12021017 7272263 5562683 4748754 17964109 26416024 4337350 2954114 8519472 8963114 265008570 299215044 3017413 3240451 266999 364203 231382013 264027424 234666425 267632078 X 0 0 0 0 30342145 31582966 30342145 31582966 265008570 299215044 1733476 -492655 0 X 0 0 0 0 1 X 717998 717998 6511765 4058489 2453276 3046884 2286989 759895 1744370 926785 817585 4748754 SHARES & DRAFTS 264027424 264027424 PART IV, LINE 2B: 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. 1 THE CHAMBER OF MANITOWOC COUNTY INC 1515 MEMORIAL DRIVE MANITOWOC WI 54220 390465570 501(C)(6) 6000 0 JR LMC SPONSORSHIP & GENERAL DONATION 0 1 PART I, LINE 2: THE ORGANIZATION WORKS CLOSELY WITH THE CHARITABLE ORGANIZATIONS IT SELECTS TO GIVE TO AND MONITORS THE USE OF THOSE FUNDS. X X 0 1 0 KIMBERLY ROONEY CHIEF EXECUTIVE OFFICER 258218 0 37794 0 929 0 41647 0 23412 0 362000 0 0 0 JASON MUENCH FINANCIAL PLANNER 32157 0 189739 0 0 0 6815 0 17954 0 246665 0 0 0 ASHLEY VANDERMAUSE CHIEF FINANCIAL OFFICER 165168 0 23271 0 134 0 28070 0 1486 0 218129 0 0 0 AMY SONNEMANN CHIEF LENDING OFFICER 137510 0 20470 0 114 0 24657 0 30442 0 213193 0 0 0 TAMMY PELLETIER CHIEF OPERATIONS OFFICER 142829 0 20535 0 656 0 24803 0 8381 0 197204 0 0 0 LAURA FIELDING CHIEF HUMAN RESOURCES OFFICER 130045 0 18337 0 412 0 22077 0 793 0 171664 0 0 0 ERIC KUMMER TECHNOLOGY SERVICES DIRECTOR 116082 0 17450 0 123 0 4950 0 20715 0 159320 0 0 0 PART I, LINE 3 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 $34,353 TAMMY PELLETIER $18,958 AMY SONNEMANN $18,840 LAURA FIELDING $16,875 ASHLEY VANDERMAUSE $21,458 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.