2026-04-29T11:39:50-05:00 2025-12-31 393647910 WIPFLI ADVISORY LLC 1502 LONDON ROAD SUITE 200 DULUTH MN 55812 990 2025-01-01 390126914 UNITEDONE CREDIT UNION UNIT 9206840361 1117 SOUTH 10TH STREET MANITOWOC WI 54220 KIMBERLY ROONEY CHIEF EXECUTIVE OFFICER 9206840361 2026-04-27 1 MICHAEL J PETERSON CPA P01833529 2187224705 2026-04-27 2025 2025-03-06 01:10:19Z KIMBERLY ROONEY 1117 SOUTH 10TH STREET MANITOWOC WI 54220 22390662 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 9 114 9 75952 0 0 0 17935545 19790528 1355542 2546894 170432 38367 19461519 22375789 73177 75484 0 2533663 8023991 9053064 0 0 0 8825953 8549486 16923121 20211697 2538398 2164092 307338971 329060351 272771947 291261022 34567024 37799329 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. SIX BRANCH OFFICES IN MANITOWOC AND SHEBOYGAN SERVICE THE MEMBERS. IN ORDER TO ASSIST YOUTH WITH FINANCIAL LITERACY, UNITEDONE CREDIT UNION ALSO HAS 8 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 2025, WE HAD PRODUCED A TOTAL OF $107,429,009 IN CONSUMER, BUSINESS, MORTGAGE, AND SECONDARY MARKET LOAN VOLUMES - THIS INCLUDES LOANS SOLD INTO THE SECONDARY MARKET OF $7,325,080. WE HAD NET LOAN GROWTH OF $20,307,953 IN CONSUMER, BUSINESS, AND MORTGAGE LOANS. THERE WERE 43,239 DEPOSIT ACCOUNTS. THE NUMBER OF MEMBERS AT YEAR END WERE 19,017 WITH A POTENTIAL MARKET OF 250,022. 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.WE ARE ALSO EXCITED TO ANNOUNCE THE LAUNCH OF OUR NEW ONLINE ACCOUNT OPENING PROCESS, AVAILABLE TO BOTH MEMBERS AND NON-MEMBERS. THIS STREAMLINED DIGITAL SOLUTION MAKES IT EASIER AND FASTER FOR ALL USERS TO OPEN ACCOUNTS SECURELY. WE CONTINUED TO GROW OUR SBA LOAN PROGRAM TO HELP PROVIDE AS MANY FUNDING OPTIONS AS POSSIBLE TO OUR SMALL BUSINESS MEMBERS. THE SBA GUARANTEE ALLOWS UNITEDONE TO ORIGINATE LOANS WITH MORE FAVORABLE TERMS TO QUALIFIED MEMBERS THAN ARE AVAILABLE WITHOUT THE SBA GUARANTEE. 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 5512 0 1 114 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 SHERRY REZBA CHAIRPERSON 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 JOHN SCHULTZ SECRETARY 2.00 X X 0 0 0 KATELYN BURTON BOARD MEMBER (THRU MAY 2025) 2.00 X 0 0 0 MARY JO CAPODICE BOARD MEMBER 2.00 X 0 0 0 JOE SCHUH 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 MERCY YANG BOARD MEMBER 2.00 X 0 0 0 KIMBERLY ROONEY CHIEF EXECUTIVE OFFICER 50.00 X 585148 0 39352 ASHLEY VANDERMAUSE CHIEF FINANCIAL OFFICER 50.00 X 355635 0 74358 TAMMY PELLETIER CHIEF OPERATIONS OFFICER 50.00 X 330730 0 65981 AMY SONNEMANN CHIEF LENDING OFFICER 50.00 X 309154 0 66930 LAURA FIELDING CHIEF HR OFFICER 50.00 X 291245 0 37875 ERIC KUMMER CHIEF TECHNOLOGY OFFICER 50.00 X 182832 0 69136 JASON MUENCH FINANCIAL OFFICER 50.00 X 202995 0 32947 2257739 0 386579 17 0 1 0 EDGE ONE 161 BUSINESS PARK CIRCLE STOUGHTON WI 53589 HARDWARE & SOFTWARE MAINTENANCE 767872 IT GROUP LLC 30230 ORCHARD LAKE RD STE 260 FARMINGTON HILLS MI 48334 IT CONSULTING/CORE SERVICER 584296 VISA INC ONE MARKET PLAZA SAN FRANCISCO CA 94105 DEBIT CARD SERVICES 332927 THINK STACK PO BOX 791585 BALTIMORE MD 21279 IT SERVICE PROVIDER 318730 DATAVA INC 3440 YOUNGFIELD ST 361 WHEAT RIDGE CO 80033 DATA WAREHOUSE SERVICES 156989 12 INTEREST ON LOANS 522291 14551722 14551722 CREDIT AND DEBIT CARD INCOME 522100 2410529 2386911 23618 FEE INCOME 522100 1153083 1153083 INSURANCE INCOME 524298 826794 774460 52334 LOAN INCOME 522291 500418 500418 347982 347982 19790528 2524493 2524493 31233 6041 0 14873 31233 -8832 22401 22401 38367 38367 38367 22375789 19714576 75952 2585261 75484 2533663 1054493 5845330 289130 1357570 506541 12267 61696 568919 345557 872956 1551559 382671 17948 170141 1524001 710484 127215 ATM & CREDIT CARD FEES 832991 LOAN & PROCESSING FEES 643371 PROVISION FOR LOAN LOSS 577594 DUES & SUBSCRIPTIONS 113968 36148 20211697 6846922 5766773 10456579 11428100 742024 873750 253774078 273731497 855615 1081281 12347865 7681323 4091197 4666542 16438095 21103011 2748841 7539609 11385620 2869788 307338971 329060351 4642582 4666292 9000 91138 0 12364000 268120365 274139592 272771947 291261022 X 0 0 0 0 34567024 37799329 34567024 37799329 307338971 329060351 X 2164092 1017601 50612 X 0 0 0 0 1 X 717998 717998 6527985 5148528 1379457 3717811 1932348 1785463 1384071 600447 783624 4666542 SHARES & DRAFTS 274139592 274139592 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 UNITED WAY OF SHEBOYGAN COUNTY INC 2020 ERIE AVENUE SHEBOYGAN WI 53081 390808471 501(C)(3) 7065 0 PROGRAM SUPPORT 1 0 PART I, LINE 2: THE ORGANIZATION WORKS CLOSELY WITH THE ORGANIZATIONS IT SELECTS TO GIVE TO AND MONITORS THE USE OF THOSE FUNDS. X X 0 1 0 KIMBERLY ROONEY CHIEF EXECUTIVE OFFICER 334364 0 58855 0 191929 0 15830 0 23522 0 624500 0 190549 0 ASHLEY VANDERMAUSE CHIEF FINANCIAL OFFICER 205770 0 36634 0 113231 0 45202 0 29156 0 429993 0 119480 0 TAMMY PELLETIER CHIEF OPERATIONS OFFICER 188524 0 33427 0 108779 0 42279 0 23702 0 396711 0 107858 0 AMY SONNEMANN CHIEF LENDING OFFICER 180819 0 32170 0 96165 0 37874 0 29056 0 376084 0 104759 0 LAURA FIELDING CHIEF HR OFFICER 167402 0 28875 0 94968 0 36756 0 1119 0 329120 0 94039 0 ERIC KUMMER CHIEF TECHNOLOGY OFFICER 154868 0 27964 0 0 0 35294 0 33842 0 251968 0 0 0 JASON MUENCH FINANCIAL OFFICER 36059 0 166936 0 0 0 12772 0 20175 0 235942 0 0 0 PART I, LINE 4B SCHEDULE J, PART I, LINE 4B: KIMBERLY ROONEY, ASHLEY VANDERMAUSE, TAMMY PELLETIER, AMY SONNEMANN, ERIC KUMMER, AND LAURA FIELDING PARTICIPATE IN A 457(F) PLAN WITH THE CREDIT UNION AND RECEIVED DISTRIBUTIONS FROM THE PLAN DURING 2025. THESE AMOUNTS ARE INCLUDED IN SCH J, PART II, COLUMN B(III) AND COLUMN F: KIMBERLY ROONEY $190,549 TAMMY PELLETIER $107,858 AMY SONNEMANN $104,759 LAURA FIELDING $94,039 ASHLEY VANDERMAUSE $119,480 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 ADJUSTMENT 50,612.