UNITEDONE CREDIT UNION: Form 990, tax year 2016

View the entire original 990 at ProPublica ↗

Organization: UNITEDONE CREDIT UNION (EIN 39-0126914)
Tax period: 2016-01-01 to 2016-12-31
Filed: 2017-10-17
IRS object ID: 201702909349300540
Schema version: 2016v3.0
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 L
Schedule O

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2017-10-17T13:40:42-05:00	ReturnTs
Tax Period End	2016-12-31	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	2016-01-01	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	2017-10-16	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	2017-10-16	PreparationDt

Filing Security Information FilingSecurityInformation

IP Address IPAddress

Field	Value	IRS element (for citing)
I Pv4 Address	50.50.56.238	IPv4AddressTxt

Field	Value	IRS element (for citing)
IP	2017-10-16	IPDt
IP Tm	13:12:47	IPTm
IP Timezone	CD	IPTimezoneCd
Filing License Type	P	FilingLicenseTypeCd
At Submission Creation Device Id	DA39A3EE5E6B4B0D3255BFEF95601890AFD80709	AtSubmissionCreationDeviceId
At Submission Filing Device Id	41ABCD53C4B0AAEE285E84ABDCCA064939346133	AtSubmissionFilingDeviceId

Field	Value	IRS element (for citing)
Tax	2016	TaxYr
Build TS	2021-01-29 14:40:06Z	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	$11,538,868	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	10	VotingMembersGoverningBodyCnt
Voting Members Independent	10	VotingMembersIndependentCnt
Total Employee	100	TotalEmployeeCnt
Total Volunteers	10	TotalVolunteersCnt
Total Gross UBI	$41,071	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	$0	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$0	PYContributionsGrantsAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$9,696,328	PYProgramServiceRevenueAmt
CY Program Service Revenue	$10,401,071	CYProgramServiceRevenueAmt
PY Investment Income	$226,771	PYInvestmentIncomeAmt
CY Investment Income	$288,892	CYInvestmentIncomeAmt
PY Other Revenue	$0	PYOtherRevenueAmt
CY Other Revenue	$608,769	CYOtherRevenueAmt
PY Total Revenue	$9,923,099	PYTotalRevenueAmt
CY Total Revenue	$11,298,732	CYTotalRevenueAmt
PY Grants And Similar Paid	$16,938	PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid	$64,920	CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members	$0	PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members	$0	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$3,882,932	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$4,645,844	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$4,280,663	PYOtherExpensesAmt
CY Other Expenses	$4,177,760	CYOtherExpensesAmt
PY Total Expenses	$8,180,533	PYTotalExpensesAmt
CY Total Expenses	$8,888,524	CYTotalExpensesAmt
PY Revenues Less Expenses	$1,742,566	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$2,410,208	CYRevenuesLessExpensesAmt
Total Assets BOY	$190,048,993	TotalAssetsBOYAmt
Total Assets EOY	$201,047,822	TotalAssetsEOYAmt
Total Liabilities BOY	$167,860,744	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$176,262,485	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$22,188,249	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$24,785,337	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 2016, there were 41,414 deposit accounts and 4,859 new loans granted for a total of 9,666. The number of members at year end were 19,746 with a potential market of 243,681.	Desc

Prog Srvc Accom Acty2 ProgSrvcAccomActy2Grp

Field	Value	IRS element (for citing)
Desc	We began utilizing Personal Teller Machines (PTMs) in our drive throughs at our Manitowoc 10th Street and Menasha offices, as well as our Washington Ave branch in Sheboygan. This allowed us to replace the old tube/drawer system and advance our drive through service experience. In turn, we also expanded service hours in both the Manitowoc and Sheboygan Markets, allowing our drive through lanes to continue to service members through these PTMs until 7pm Monday - Friday and until 4 PM on Saturdays, compared to previous hour of operation during the week of 5 pm and 12 pm on Saturday.	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	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	Yes (1)	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	3459	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (1)	BackupWthldComplianceInd
Employee	100	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
Info In Schedule O Part VI	Yes (X)	InfoInScheduleOPartVIInd
Governing Body Voting Members	10	GoverningBodyVotingMembersCnt
Independent Voting Member	10	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
Sherry Rezba
Board Member	2.00	Yes (X)	$0	$0	$0
Rick Risch
Board Member (Thru February)	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
Laem Xayvong
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		$184,730	$0	$81,007	Yes (X)
Michelle McClelland
Chief Financial OFficer	50.00		$117,563	$0	$82,118	Yes (X)
Jason Muench
Financial Planner	50.00		$143,502	$0	$86,301		Yes (X)
Tammy Pelletier
Chief Operating OFficer	50.00		$113,516	$0	$63,532		Yes (X)
Amy Sonnemann
Chief Lending Officer	50.00		$112,209	$0	$55,536		Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$671,520	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$368,494	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
EDGE ONE
161 BUSINESS PARK CIRCLE	STOUGHTON	WI	53589	Purchase of Personal Teller Machines	$593,501
IT Group LLC
30230 Orchard Lake Road	Farmington Hills	MI	48334	IT Consulting/Core System	$453,518
Remote Operations Company
200 Packerland Drive	Green Bay	WI	54303	Consulting/IT Services	$355,655
CRIF Corp
280 INTERSTATE NORTH CIRCLE SUITE 4	Atlanta	GA	30339	Consumer Lending Platform	$169,721

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	$6,972,363	$6,972,363
CREDIT AND DEBIT CARD INCOME	522100	$1,142,236	$1,124,790	$17,446
Fee Income	522100	$1,048,287	$1,048,287
INSURANCE INCOME	524298	$759,215	$735,590	$23,625
Loan Income	522291	$304,210	$304,210

Total Oth Program Service Rev TotalOthProgramServiceRevGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$174,760	TotalRevenueColumnAmt
Related Or Exempt Func Income	$174,760	RelatedOrExemptFuncIncomeAmt

Field	Value	IRS element (for citing)
Total Program Service Revenue	$10,401,071	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$292,341	TotalRevenueColumnAmt
Exclusion	$292,341	ExclusionAmt

Gross Amount Sales Assets GrossAmountSalesAssetsGrp

Field	Value	IRS element (for citing)
Other	$236,687	OtherAmt

Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp

Field	Value	IRS element (for citing)
Other	$240,136	OtherAmt

Gain Or Loss GainOrLossGrp

Field	Value	IRS element (for citing)
Other	-$3,449	OtherAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	-$3,449	TotalRevenueColumnAmt
Exclusion	-$3,449	ExclusionAmt

Other Revenue Misc OtherRevenueMiscGrp (2 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt
Loan Loss Recovery	900099	$541,315	$541,315
Conversion Incentive	900099	$62,222	$62,222

Miscellaneous Revenue MiscellaneousRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$5,232	TotalRevenueColumnAmt
Exclusion	$5,232	ExclusionAmt

Field	Value	IRS element (for citing)
Other Revenue Total	$608,769	OtherRevenueTotalAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$11,298,732	TotalRevenueColumnAmt
Related Or Exempt Func Income	$10,963,537	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$41,071	UnrelatedBusinessRevenueAmt
Exclusion	$294,124	ExclusionAmt

Grants To Domestic Orgs GrantsToDomesticOrgsGrp

Field	Value	IRS element (for citing)
Total	$64,920	TotalAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$365,418	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$3,307,760	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$308,309	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$408,005	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$256,352	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$11,808	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$54,965	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$180,510	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$162,554	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$406,759	TotalAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$818,418	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$288,309	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$14,513	TotalAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$108,297	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$615,760	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$68,093	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
atM & Credit Card Fees	$477,867
Dividends paid on membe	$441,611
Loan & Processing Fees	$397,096
OREO Expense	$13,138

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$118,062	TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$8,888,524	TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$3,199,272	BOYAmt
EOY	$4,613,383	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$7,466,318	BOYAmt
EOY	$12,974,884	EOYAmt

Accounts Receivable AccountsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$350,335	BOYAmt
EOY	$22,120	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$148,894,530	BOYAmt
EOY	$158,451,265	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$433,654	BOYAmt
EOY	$440,322	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$13,539,791	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$8,348,921	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$4,763,557	BOYAmt
EOY	$5,190,870	EOYAmt

Investments Pub Traded Sec InvestmentsPubTradedSecGrp

Field	Value	IRS element (for citing)
BOY	$12,573,799	BOYAmt
EOY	$8,423,658	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$10,081,825	BOYAmt
EOY	$8,596,523	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$2,285,703	BOYAmt
EOY	$2,334,797	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$190,048,993	BOYAmt
EOY	$201,047,822	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$2,094,128	BOYAmt
EOY	$2,913,132	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$165,766,616	BOYAmt
EOY	$173,349,353	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$167,860,744	BOYAmt
EOY	$176,262,485	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	$22,188,249	BOYAmt
EOY	$24,785,337	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$22,188,249	BOYAmt
EOY	$24,785,337	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$190,048,993	BOYAmt
EOY	$201,047,822	EOYAmt

Field	Value	IRS element (for citing)
Info In Schedule O Part XI	Yes (X)	InfoInScheduleOPartXIInd
Reconcilation Revenue Expnss	$2,410,208	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	$5,171	NetUnrlzdGainsLossesInvstAmt
Other Changes In Net Assets	$181,709	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

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	$6,379,828	OtherCostOrOtherBasisAmt
Depreciation	$3,503,128	DepreciationAmt
Book Value	$2,876,700	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$5,246,411	OtherCostOrOtherBasisAmt
Depreciation	$4,021,301	DepreciationAmt
Book Value	$1,225,110	BookValueAmt

Other Land Buildings OtherLandBuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$1,195,554	OtherCostOrOtherBasisAmt
Depreciation	$824,492	DepreciationAmt
Book Value	$371,062	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$5,190,870	TotalBookValueLandBuildingsAmt

Other Liabilities Org OtherLiabilitiesOrgGrp

Field	Value	IRS element (for citing)
Desc	Shares & Drafts	Desc
Amt	$173,349,353	Amt

Field	Value	IRS element (for citing)
Total Liability	$173,349,353	TotalLiabilityAmt

Schedule I IRS990ScheduleI

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

Recipient Table RecipientTable (2 entries)

Address Line1USAddress/AddressLine1Txt	CityUSAddress/CityNm	State AbbreviationUSAddress/StateAbbreviationCd	ZIPUSAddress/ZIPCd	Recipient EINRecipientEIN	IRC SectionIRCSectionDesc	Cash GrantCashGrantAmt	Purpose Of GrantPurposeOfGrantTxt
YMCA
PO Box 471	Manitowoc	WI	54221	391028773	501(c)(3)	$25,000	General purpose
Manitowoc Youth BaseballSoftball
1223 Allen St	Manitowoc	WI	54220	391695692	501(c)(3)	$30,000	Youth Sports complex sponsorship

Field	Value	IRS element (for citing)
Total501c3 Org	2	Total501c3OrgCnt
Total Other Org	0	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 charitable organization's 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 (5 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	$180,431	$0	$3,713	$0	$586	$0	$7,418	$0	$73,589	$0	$265,737	$0	$0	$0
Michelle McClelland
Chief Financial OFficer	$115,031	$0	$2,376	$0	$156	$0	$5,096	$0	$77,022	$0	$199,681	$0	$0	$0
Jason Muench
Financial Planner	$30,815	$0	$112,659	$0	$28	$0	$9,449	$0	$76,852	$0	$229,803	$0	$0	$0
Tammy Pelletier
Chief Operating OFficer	$110,700	$0	$2,248	$0	$568	$0	$4,518	$0	$59,014	$0	$177,048	$0	$0	$0
Amy Sonnemann
Chief Lending Officer	$109,870	$0	$2,222	$0	$117	$0	$4,484	$0	$51,052	$0	$167,745	$0	$0	$0

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	Part I, Line 4b	FormAndLineReferenceDesc
Explanation	The organization's retired CEO receives payments from a 457B plan. In 2016, $9,234 was distributed out of the plan.	ExplanationTxt

Schedule L IRS990ScheduleL

Bus Tr Involve Interested Prsn BusTrInvolveInterestedPrsnGrp

Name Of Interested NameOfInterested

Field	Value	IRS element (for citing)
Person	Norkeo Joe Xayvong	PersonNm

Field	Value	IRS element (for citing)
Relationship Description	Employee - Regional Branch Manager	RelationshipDescriptionTxt
Transaction	$66,287	TransactionAmt
Transaction	Family Member of Board Member, Laem Xayvong	TransactionDesc
Sharing Of Revenues	0	SharingOfRevenuesInd

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 is governing documents, conflict of interest policy, and financial statements available upon request.
Form 990, Part XI, line 9:	Change in oci - defined benefit plan 181,709.