Unitedone Credit Union
Nonprofit profile at a glance
- EIN
- 390126914
- IRS 990 coverage
- 2010–2025
- Forms available
- Form 990 2025
- Location
- Manitowoc, WI, USA
- Phone
- 9206840361
- Rating confidence
- Limited
- Sector
- Credit Unions
Reported finances
- Revenue
- $22,375,789
- Expenses
- $20,211,697
- Assets
- $329,060,351
- Liabilities
- $291,261,022
Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.
Leadership & pay
17 people listed
Executive titles in this filing
- KIMBERLY ROONEY (CHIEF EXECUTIVE OFFICER)
Highest reported compensation
- KIMBERLY ROONEY (CHIEF EXECUTIVE OFFICER): $624,500 total reported compensation
- ASHLEY VANDERMAUSE (CHIEF FINANCIAL OFFICER): $429,993 total reported compensation
- TAMMY PELLETIER (CHIEF OPERATIONS OFFICER): $396,711 total reported compensation
Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.
Overview
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. 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.
What it reported doing in 2025
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.
Operating model
- Revenue model
- Other-operating. 87% of the money available for current operations came from other operating revenue.
- Distribution model
- Cannot be determined from the filing. The filing does not provide enough consistent spending detail to tell whether the nonprofit works directly or through others.
The verdict
- The available evidence is not sufficient to produce an overall rating for this filing. This is not a warning sign.
Rating breakdown
- Financial Efficiency: NotEnoughData
- Transparency & Controls: 53
- Accountability: 91
- Sustainability: 56
- Growth: 60
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: Limited
- Program expense ratio: Limited
- Fundraising efficiency: Limited
Transparency & Controls
- Consistency checks: 88.9%; rating input score 89; 4th percentile among comparable filings
- Pay-setting controls: 2 of 6 controls in place; rating input score 33
- Compensation committee: Missing
- Independent consultant: Missing
- Other Form 990s reviewed: Missing
- Written employment contract: Missing
- Compensation survey or study: Pass
- Board or committee approval: Pass
- Foreign activity oversight: Limited
- Grant itemization coverage: 9.4%; rating input score 9; 12th percentile among comparable filings
- Major donor itemization: Limited
- Related-party transparency: Limited
Accountability
- Independent voting board: 100%; rating input score 100; 64th percentile among comparable filings
- Governance controls: 7 of 9 controls in place; rating input score 78
- Conflict-of-interest policy: Pass
- Whistleblower policy: Pass
- Document-retention policy: Pass
- CEO compensation review process: Pass
- Other executive compensation review process: Pass
- Form 990 shared with the board: Pass
- Board meeting minutes documented: Pass
- Audit committee oversight: Missing
- Independent financial-statement audit: Fail
Sustainability
- Operating margin: 9.7%; rating input score 57; 57th percentile among comparable filings
- Total-asset coverage ratio: 16.28; rating input score 90; 90th percentile among comparable filings
- Liabilities to assets ratio: 0.89; rating input score 8; 8th percentile among comparable filings
- Officer compensation ratio: 13.1%; rating input score 15; 15th percentile among comparable filings
Growth
- Program expense growth: Limited
- Revenue growth: 5% per year; rating input score 100; 41st percentile among comparable filings
- Asset growth: 4.9% per year; rating input score 100; 33rd percentile among comparable filings
Details
- Where the money goes: Financial trends and filed revenue, expense, asset, and liability detail
- Governance: 9 of 9 board members independent · 7 of 9 filing controls reported
- Programs: 3 filed program accomplishments
- Leadership: top reported pay $624K · 17 people listed · 2 of 6 pay-setting controls reported
- Highest-paid contractors: 5 contractors listed · $2.2M reported
- Consistency: 10 of 11 current checks pass · 1 finding to review
- Schedules: 4 filed schedules · includes grants and executive pay
- Filing history: 16 filing years from 2010 to 2025
- Contacts: How to reach this organization
- Money network: 8 filed money-flow records
- Related organizations: 1 filed related-organization link
- Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
- People: Everyone the filings name, and which of them the filings identify by more than a name.
- Staff and benefit plans: Retirement and health plans the organization files with the Department of Labor, and the people in them.
Key Signals
Signals prioritize questions for review. They are not findings of misconduct.
- High — Transparency & Controls: Grant itemization coverage scored 9/100.
- Review — Transparency & Controls: Domestic grant itemization did not reconcile in the filed values.
- Review — Accountability: Governance controls: Independent financial-statement audit not reported.
- Review — Sustainability: Operating margin scored 57/100.
- High — Sustainability: Liabilities to assets ratio scored 8/100.
- High — Sustainability: Officer compensation ratio scored 15/100.