2019-10-08T09:53:13-05:00 2018-12-31 390758449 WIPFLI LLP PO BOX 8010 WAUSAU WI 544028010 990 2018-01-01 390126914 UNITEDONE CREDIT UNION UNIT 9206840361 1117 SOUTH 10TH STREET MANITOWOC WI 54220 KIM ROONEY CHIEF EXECUTIVE OFFICER 9206840361 2019-09-24 1 MARY A COATES CPA P00134220 7158453111 2019-09-24 24.240.116.52 2019-09-24 09:22:31 CD P DA39A3EE5E6B4B0D3255BFEF95601890AFD80709 BA1B6B71409BCBA719E7BBFC6116F39ABC0DB0A7 2018 2020-01-14 16:20:31Z KIMBERLY ROONEY 1117 SOUTH 10TH STREET MANITOWOC WI 54220 12576035 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 82 9 49512 0 0 0 10829645 11783334 387173 378895 43131 413806 11259949 12576035 29864 50270 0 0 4521016 5249674 0 0 0 5167852 5806727 9718732 11106671 1541217 1469364 210358199 214445959 184008939 186697080 26349260 27748879 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 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. 0 0 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. 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. 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. 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. 0 0 0 0 0 0 0 0 0 1 1 0 1 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 3174 0 1 82 1 1 1 0 0 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 KATELYN BURTON BOARD MEMBER 2.00 X 0 0 0 NORBERT CAROLLO BOARD MEMBER 2.00 X 0 0 0 LUKE KELLY BOARD MEMBER 2.00 X 0 0 0 SHERRY REZBA BOARD MEMBER 2.00 X 0 0 0 JAMES SCHUESSLER 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 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 THOMAS KEIL SECRETARY 2.00 X X 0 0 0 KIMBERLY ROONEY CHIEF EXECUTIVE OFFICER 50.00 X 228697 0 15233 ASHLEY VANDERMAUSE CHIEF FINANCIAL OFFICER 50.00 X 139008 0 6619 TAMMY PELLETIER CHIEF OPERATIONS OFFICER 50.00 X 133689 0 7240 AMY SONNEMANN CHIEF LENDING OFFICER 50.00 X 127937 0 27540 JASON MUENCH FINANCIAL PLANNER 50.00 X 141209 0 38220 770540 0 94852 5 0 1 0 IT GROUP LLC 30230 ORCHARD LAKE ROAD STE 260 FARMINGTON HILLS MI 48334 IT CONSULTING/CORE SYSTEM 614335 THE REDMOND COMPANY W228 N745 WESTMOUND DR WAUKESHA WI 53186 CONSTRUCTION 517567 IRON CORE INC 548 LESTER AVE ONALASKA WI 54650 CONSULTING/IT SERVICES 263088 CONCEPT UNLIMITED 1250 S CAPITAL OF TEXAS HWY BLDG 2 AUSTIN GA 78746 ADVERTISING AGENCY 111317 4 INTEREST ON LOANS 522291 8064982 8064982 CREDIT AND DEBIT CARD INCOME 522100 1342830 1326318 16512 FEE INCOME 522100 1084775 1084775 INSURANCE INCOME 524298 787671 754671 33000 LOAN INCOME 522291 291641 291641 211435 211435 11783334 375868 375868 3027 0 3027 3027 3027 413806 413806 413806 12576035 11733822 49512 792701 50270 389557 3710408 112665 727579 309465 7000 54282 293264 329372 536386 782718 339674 17630 134585 1803 1030180 83111 ATM & CREDIT CARD FEES 682998 DIVIDENDS PAID ON MEMBE 596815 LOAN & PROCESSING FEES 521657 BAD DEBT EXPENSE 248500 146752 11106671 4655168 4258509 9063938 3514169 522354 418276 174144090 189947604 471578 650485 11907636 6196997 5711095 5710639 6880291 5572949 6922720 2197985 1986965 2175343 210358199 214445959 3724725 2894015 252236 212592 0 3000000 180031978 180590473 184008939 186697080 X 0 0 0 0 26349260 27748879 26349260 27748879 210358199 214445959 1469364 -69745 0 X 0 0 0 0 1 X 717998 717998 6750936 3874242 2876694 2730344 1723422 1006922 1708358 599333 1109025 5710639 DEPOSITS IN COMMERCIAL BANKS 248000 C MEMBERSHIP CAPITAL AT CORPORATE CU 975108 C ALL OTHER INVESTMENTS 372300 C PAID IN CAPITAL AT CORP 602577 C 2197985 NCUA SHARE INSURANCE DEPOSIT 1861006 OTHER ASSETS 293009 FORECLOSED ASSETS 21328 2175343 SHARES & DRAFTS 180590473 180590473 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 PART I, LINE 2: 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. X X 0 0 0 KIMBERLY ROONEY CHIEF EXECUTIVE OFFICER 214880 0 13097 0 720 0 8261 0 6972 0 243930 0 0 0 AMY SONNEMANN CHIEF LENDING OFFICER 120056 0 7802 0 79 0 5336 0 22204 0 155477 0 0 0 JASON MUENCH FINANCIAL PLANNER 29280 0 111929 0 0 0 6088 0 32132 0 179429 0 0 0 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.