UNITEDONE CREDIT UNION: Form 990, tax year 2018

View the entire original 990 at ProPublica ↗

Organization: UNITEDONE CREDIT UNION (EIN 39-0126914)
Tax period: 2018-01-01 to 2018-12-31
Filed: 2019-10-08
IRS object ID: 201912819349300716
Schema version: 2018v3.1
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	2019-10-08T09:53:13-05:00	ReturnTs
Tax Period End	2018-12-31	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	PO BOX 8010	AddressLine1Txt
City	WAUSAU	CityNm
State Abbreviation	WI	StateAbbreviationCd
ZIP	544028010	ZIPCd

Field	Value	IRS element (for citing)
Return Type	990	ReturnTypeCd
Tax Period Begin	2018-01-01	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	KIM ROONEY	PersonNm
Person Title	CHIEF EXECUTIVE OFFICER	PersonTitleTxt
Phone	9206840361	PhoneNum
Signature	2019-09-24	SignatureDt
Discuss With Paid Preparer	Yes (1)	DiscussWithPaidPreparerInd

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	MARY A COATES CPA	PreparerPersonNm
PTIN	P00134220	PTIN
Phone	7158453111	PhoneNum
Preparation	2019-09-24	PreparationDt

Filing Security Information FilingSecurityInformation

IP Address IPAddress

Field	Value	IRS element (for citing)
I Pv4 Address	24.240.116.52	IPv4AddressTxt

Field	Value	IRS element (for citing)
IP	2019-09-24	IPDt
IP Tm	09:22:31	IPTm
IP Timezone	CD	IPTimezoneCd
Filing License Type	P	FilingLicenseTypeCd
At Submission Creation Device Id	DA39A3EE5E6B4B0D3255BFEF95601890AFD80709	AtSubmissionCreationDeviceId
At Submission Filing Device Id	BA1B6B71409BCBA719E7BBFC6116F39ABC0DB0A7	AtSubmissionFilingDeviceId

Field	Value	IRS element (for citing)
Tax	2018	TaxYr
Build TS	2020-01-14 16:20:31Z	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	$12,576,035	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	82	TotalEmployeeCnt
Total Volunteers	9	TotalVolunteersCnt
Total Gross UBI	$49,512	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	$0	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$0	PYContributionsGrantsAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$10,829,645	PYProgramServiceRevenueAmt
CY Program Service Revenue	$11,783,334	CYProgramServiceRevenueAmt
PY Investment Income	$387,173	PYInvestmentIncomeAmt
CY Investment Income	$378,895	CYInvestmentIncomeAmt
PY Other Revenue	$43,131	PYOtherRevenueAmt
CY Other Revenue	$413,806	CYOtherRevenueAmt
PY Total Revenue	$11,259,949	PYTotalRevenueAmt
CY Total Revenue	$12,576,035	CYTotalRevenueAmt
PY Grants And Similar Paid	$29,864	PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid	$50,270	CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members	$0	PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members	$0	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$4,521,016	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$5,249,674	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$5,167,852	PYOtherExpensesAmt
CY Other Expenses	$5,806,727	CYOtherExpensesAmt
PY Total Expenses	$9,718,732	PYTotalExpensesAmt
CY Total Expenses	$11,106,671	CYTotalExpensesAmt
PY Revenues Less Expenses	$1,541,217	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$1,469,364	CYRevenuesLessExpensesAmt
Total Assets BOY	$210,358,199	TotalAssetsBOYAmt
Total Assets EOY	$214,445,959	TotalAssetsEOYAmt
Total Liabilities BOY	$184,008,939	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$186,697,080	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$26,349,260	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$27,748,879	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. SEVEN BRANCH OFFICES IN MANITOWOC AND SHEBOYGAN SERVICE THE MEMBERS. IN ORDER TO ASSIST YOUTH WITH FINANCIAL LITERACY, UNITEDONE CREDIT UNION ALSO HAS 4 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 2018, WE HAD PRODUCED A TOTAL OF $86,710,607.44 IN CONSUMER, BUSINESS, MORTGAGE, AND SECONDARY MARKET LOAN VOLUMES - THIS INCLUDES LOANS SOLD INTO THE SECONDARY MARKET OF $11,099,763.00. WE HAD NET LOAN GROWTH OF $18.5 MILLION IN CONSUMER, BUSINESS, AND MORTGAGE LOANS (NOT INCLUDING THE STUDENT LOANS THAT WERE SOLD IN MARCH 2018). THERE WERE 41,403 DEPOSIT ACCOUNTS. THE NUMBER OF MEMBERS AT YEAR END WERE 19,563 WITH A POTENTIAL MARKET OF 243,681.	Desc

Prog Srvc Accom Acty2 ProgSrvcAccomActy2Grp

Field	Value	IRS element (for citing)
Desc	SAVER'S SWEEPSTAKES SHARE SAVINGS ACCOUNTS ARE DESIGNED TO HELP MEMBERS SAVE WHILE GIVING THEM CHANCES TO WIN STATEWIDE CASH PRIZE DRAWINGS. UNITEDONE WILL ALSO BE HOLDING MEMBERS ONLY PRIZE DRAWINGS.	Desc

Prog Srvc Accom Acty3 ProgSrvcAccomActy3Grp

Field	Value	IRS element (for citing)
Desc	EASYONE CHECKING IS OUR PAPERLESS CHECKING ACCOUNT. THIS CHECKING ACCOUNT IS A MORE ENVIRONMENTALLY FRIENDLY OPTION, AND ALLOWS OUR MEMBER'S ACCESS TO THEIR ACCOUNT ONLINE ANYWHERE AT ANY TIME. EASYONE CHECKING IS DESIGNED FOR MEMBERS ON THE GO WHO PREFER TO DO THEIR TRANSACTIONS ELECTRONICALLY USING INTERNET BANKING, DEBIT CARDS, MOBILE BANKING AND MOBILE DEPOSIT.	Desc

Prog Srvc Accom Acty Other ProgSrvcAccomActyOtherGrp

Field	Value	IRS element (for citing)
Desc	ROUNDUP IS DESIGNED TO HELP MEMBERS REACH THEIR SAVINGS GOALS. ROUNDUP IS AN OPTIONAL PRODUCT, WHICH ALLOWS MEMBERS TO HAVE THEIR DEBIT CARD TRANSACTIONS ROUNDED UP TO THE NEAREST DOLLAR, AND THE DIFFERENCE TRANSFERRED TO THEIR PRIMARY SHARE AT THE END OF THE BUSINESS DAY.	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
Temp Or Permanent Endowments	0	TempOrPermanentEndowmentsInd
Report Land Building Equipment	Yes (1)	ReportLandBuildingEquipmentInd
Report Investments Other Sec	Yes (1)	ReportInvestmentsOtherSecInd
Report Program Related Invst	0	ReportProgramRelatedInvstInd
Report Other Assets	Yes (1)	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 With Officer Ent	0	BusinessRlnWithOfficerEntInd
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	3174	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (1)	BackupWthldComplianceInd
Employee	82	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
Quid Pro Quo Contributions	0	QuidProQuoContributionsInd
Form8282 Property Disposed Of	0	Form8282PropertyDisposedOfInd
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	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt	OfficerOfficerInd	Highest Compensated EmployeeHighestCompensatedEmployeeInd
KATELYN BURTON
BOARD MEMBER	2.00	Yes (X)	$0	$0	$0
NORBERT CAROLLO
BOARD MEMBER	2.00	Yes (X)	$0	$0	$0
LUKE KELLY
BOARD MEMBER	2.00	Yes (X)	$0	$0	$0
SHERRY REZBA
BOARD MEMBER	2.00	Yes (X)	$0	$0	$0
JAMES SCHUESSLER
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
JOHN SCHULTZ
CHAIRMAN	2.00	Yes (X)	$0	$0	$0	Yes (X)
LARRY BAHR
VICE CHAIR	2.00	Yes (X)	$0	$0	$0	Yes (X)
JILL PICKETT
TREASURER	2.00	Yes (X)	$0	$0	$0	Yes (X)
THOMAS KEIL
SECRETARY	2.00	Yes (X)	$0	$0	$0	Yes (X)
KIMBERLY ROONEY
CHIEF EXECUTIVE OFFICER	50.00		$228,697	$0	$15,233	Yes (X)
ASHLEY VANDERMAUSE
CHIEF FINANCIAL OFFICER	50.00		$139,008	$0	$6,619	Yes (X)
TAMMY PELLETIER
CHIEF OPERATIONS OFFICER	50.00		$133,689	$0	$7,240		Yes (X)
AMY SONNEMANN
CHIEF LENDING OFFICER	50.00		$127,937	$0	$27,540		Yes (X)
JASON MUENCH
FINANCIAL PLANNER	50.00		$141,209	$0	$38,220		Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$770,540	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$94,852	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	5	IndivRcvdGreaterThan100KCnt
Former Ofcr Employees Listed	0	FormerOfcrEmployeesListedInd
Total Comp Greater Than150 K	Yes (1)	TotalCompGreaterThan150KInd
Compensation From Other Srcs	0	CompensationFromOtherSrcsInd

Contractor Compensation ContractorCompensationGrp (4 entries)

Address Line1ContractorAddress/USAddress/AddressLine1Txt	CityContractorAddress/USAddress/CityNm	State AbbreviationContractorAddress/USAddress/StateAbbreviationCd	ZIPContractorAddress/USAddress/ZIPCd	ServicesServicesDesc	CompensationCompensationAmt
IT GROUP LLC
30230 ORCHARD LAKE ROAD STE 260	FARMINGTON HILLS	MI	48334	IT CONSULTING/CORE SYSTEM	$614,335
THE REDMOND COMPANY
W228 N745 WESTMOUND DR	WAUKESHA	WI	53186	CONSTRUCTION	$517,567
IRON CORE INC
548 LESTER AVE	ONALASKA	WI	54650	CONSULTING/IT SERVICES	$263,088
CONCEPT UNLIMITED
1250 S CAPITAL OF TEXAS HWY BLDG 2	AUSTIN	GA	78746	ADVERTISING AGENCY	$111,317

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	4	CntrctRcvdGreaterThan100KCnt

Program Service Revenue ProgramServiceRevenueGrp (5 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt	Unrelated Business RevenueUnrelatedBusinessRevenueAmt
INTEREST ON LOANS	522291	$8,064,982	$8,064,982
CREDIT AND DEBIT CARD INCOME	522100	$1,342,830	$1,326,318	$16,512
FEE INCOME	522100	$1,084,775	$1,084,775
INSURANCE INCOME	524298	$787,671	$754,671	$33,000
LOAN INCOME	522291	$291,641	$291,641

Total Oth Program Service Rev TotalOthProgramServiceRevGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$211,435	TotalRevenueColumnAmt
Related Or Exempt Func Income	$211,435	RelatedOrExemptFuncIncomeAmt

Field	Value	IRS element (for citing)
Total Program Service Revenue	$11,783,334	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$375,868	TotalRevenueColumnAmt
Exclusion	$375,868	ExclusionAmt

Gross Amount Sales Assets GrossAmountSalesAssetsGrp

Field	Value	IRS element (for citing)
Securities	$3,027	SecuritiesAmt

Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp

Field	Value	IRS element (for citing)
Securities	$0	SecuritiesAmt

Gain Or Loss GainOrLossGrp

Field	Value	IRS element (for citing)
Securities	$3,027	SecuritiesAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$3,027	TotalRevenueColumnAmt
Exclusion	$3,027	ExclusionAmt

Miscellaneous Revenue MiscellaneousRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$413,806	TotalRevenueColumnAmt
Exclusion	$413,806	ExclusionAmt

Field	Value	IRS element (for citing)
Other Revenue Total	$413,806	OtherRevenueTotalAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$12,576,035	TotalRevenueColumnAmt
Related Or Exempt Func Income	$11,733,822	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$49,512	UnrelatedBusinessRevenueAmt
Exclusion	$792,701	ExclusionAmt

Grants To Domestic Orgs GrantsToDomesticOrgsGrp

Field	Value	IRS element (for citing)
Total	$50,270	TotalAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$389,557	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$3,710,408	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$112,665	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$727,579	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$309,465	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$7,000	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$54,282	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$293,264	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$329,372	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$536,386	TotalAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$782,718	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$339,674	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$17,630	TotalAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$134,585	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$1,803	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$1,030,180	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$83,111	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
ATM & CREDIT CARD FEES	$682,998
DIVIDENDS PAID ON MEMBE	$596,815
LOAN & PROCESSING FEES	$521,657
BAD DEBT EXPENSE	$248,500

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$146,752	TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$11,106,671	TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$4,655,168	BOYAmt
EOY	$4,258,509	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$9,063,938	BOYAmt
EOY	$3,514,169	EOYAmt

Accounts Receivable AccountsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$522,354	BOYAmt
EOY	$418,276	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$174,144,090	BOYAmt
EOY	$189,947,604	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$471,578	BOYAmt
EOY	$650,485	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$11,907,636	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$6,196,997	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$5,711,095	BOYAmt
EOY	$5,710,639	EOYAmt

Investments Pub Traded Sec InvestmentsPubTradedSecGrp

Field	Value	IRS element (for citing)
BOY	$6,880,291	BOYAmt
EOY	$5,572,949	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$6,922,720	BOYAmt
EOY	$2,197,985	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$1,986,965	BOYAmt
EOY	$2,175,343	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$210,358,199	BOYAmt
EOY	$214,445,959	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$3,724,725	BOYAmt
EOY	$2,894,015	EOYAmt

Escrow Account Liability EscrowAccountLiabilityGrp

Field	Value	IRS element (for citing)
BOY	$252,236	BOYAmt
EOY	$212,592	EOYAmt

Mortg Notes Pybl Scrd Invst Prop MortgNotesPyblScrdInvstPropGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$3,000,000	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$180,031,978	BOYAmt
EOY	$180,590,473	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$184,008,939	BOYAmt
EOY	$186,697,080	EOYAmt

Field	Value	IRS element (for citing)
Org Does Not Follow SFAS117	Yes (X)	OrgDoesNotFollowSFAS117Ind

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	$26,349,260	BOYAmt
EOY	$27,748,879	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$26,349,260	BOYAmt
EOY	$27,748,879	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$210,358,199	BOYAmt
EOY	$214,445,959	EOYAmt

Field	Value	IRS element (for citing)
Reconcilation Revenue Expnss	$1,469,364	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	-$69,745	NetUnrlzdGainsLossesInvstAmt
Other Changes In Net Assets	$0	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	$6,750,936	OtherCostOrOtherBasisAmt
Depreciation	$3,874,242	DepreciationAmt
Book Value	$2,876,694	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$2,730,344	OtherCostOrOtherBasisAmt
Depreciation	$1,723,422	DepreciationAmt
Book Value	$1,006,922	BookValueAmt

Other Land Buildings OtherLandBuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$1,708,358	OtherCostOrOtherBasisAmt
Depreciation	$599,333	DepreciationAmt
Book Value	$1,109,025	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$5,710,639	TotalBookValueLandBuildingsAmt

Other Securities OtherSecuritiesGrp (4 entries)

DescDesc	Book ValueBookValueAmt	Method ValuationMethodValuationCd
DEPOSITS IN COMMERCIAL BANKS	$248,000	C
MEMBERSHIP CAPITAL AT CORPORATE CU	$975,108	C
ALL OTHER INVESTMENTS	$372,300	C
PAID IN CAPITAL AT CORP	$602,577	C

Field	Value	IRS element (for citing)
Total Book Value Securities	$2,197,985	TotalBookValueSecuritiesAmt

Other Assets Org OtherAssetsOrgGrp (3 entries)

DescDesc	Book ValueBookValueAmt
NCUA SHARE INSURANCE DEPOSIT	$1,861,006
OTHER ASSETS	$293,009
FORECLOSED ASSETS	$21,328

Field	Value	IRS element (for citing)
Total Book Value Other Assets	$2,175,343	TotalBookValueOtherAssetsAmt

Other Liabilities Org OtherLiabilitiesOrgGrp

Field	Value	IRS element (for citing)
Desc	SHARES & DRAFTS	Desc
Amt	$180,590,473	Amt

Field	Value	IRS element (for citing)
Total Liability	$180,590,473	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

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 CHARITABLE ORGANIZATION'S IT SELECTS TO GIVE TO AND MONITORS THE USE OF THOSE FUNDS. NO SINGLE ORGANIZATION RECEIVED OVER $5,000 FROM THE CREDIT UNION.	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	0	SupplementalNonqualRtrPlanInd
Equity Based Comp Arrngm	0	EquityBasedCompArrngmInd

Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp (3 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	$214,880	$0	$13,097	$0	$720	$0	$8,261	$0	$6,972	$0	$243,930	$0	$0	$0
AMY SONNEMANN
CHIEF LENDING OFFICER	$120,056	$0	$7,802	$0	$79	$0	$5,336	$0	$22,204	$0	$155,477	$0	$0	$0
JASON MUENCH
FINANCIAL PLANNER	$29,280	$0	$111,929	$0	$0	$0	$6,088	$0	$32,132	$0	$179,429	$0	$0	$0

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (7 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 IS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS AVAILABLE UPON REQUEST.