State credit union · Kaukauna, Wisconsin · NCUA charter #66851
UNISON
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $384.2M
- Total assets
- 18,895
- Members
- 9.7%
- Net-worth ratio
UNISON scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $384.2M; members 18,895; net-worth ratio 9.68%; health rank #843 of 4,374; healthier than 80th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#843 of 4,374 health · 2025Q4UNISON · health 92/100 · $384.2M · 2025Q4
- DELQ 92/100
- ROA 9.7%
- ASSETS 0.40%
- MEM 0.82%
- RANK $384.2M
- PHOTO 18,895
- BOOK #843/4,374
- CHARTER Partnership Financial
- NCUSIF 66851
Call Report peers
UNISON in the assets neighbourhood
UNISON's $384.2M assets sit next to Partnership Financial ($384.0M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
UNISON vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
92 Top 20% higher than 80% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
UNISON - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #66851, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for UNISON
- Delinquency Rate leads the peer set - 0.40% here, 0.89% peer average (-0.49 pp).
- Net Worth Ratio trails the peer set - 9.68% here, 12.11% peer average (-2.43 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
UNISON in Wisconsin
- Wisconsin health ordinal: #33 of 100.
- Wisconsin assets place: #25 of 100.
- Membership ranks #28 of 100 among Wisconsin CUs with a reported count (18,895 members).
In-state ordinals use the live credit_unions table for WI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How UNISON's 5300 filing moved
UNISON: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.2% from $384.2M (2025Q4) to $388.9M (2026Q1).
- Net-worth ratio shifted -0.03 pp (9.71% → 9.68%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 9.68%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 92/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 92.
- Net Worth Ratio 29.2 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 7.4 pts
- Loan-to-Share Ratio 15.4 pts
UNISON health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.68% | -2.43 pp |
| Delinquency Rate | 0.40% | -0.49 pp |
| Return on Assets | 0.82% | +0.20 pp |
| Member Growth | -0.90% | - |
| Loan-to-Share Ratio | 70.08% | -2.12 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $388.9M | - |
| 2025Q4 | $384.2M | 18,895 |
| 2024Q4 | $338.9M | 19,066 |
| 2023Q4 | $322.7M | 18,867 |
Credit Union Details
- Charter Number
- 66851
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Wisconsin
- City
- Kaukauna
- Data Quarter
- 2025Q4
Branch Locations (6)
Per its most recent NCUA branch filing, UNISON runs 6 offices in 5 different cities.
| Office | City |
|---|---|
| South Office (Main Office) | Kaukauna, WI |
| De Pere | De Pere, WI |
| Grand Chute | Grand Chute, WI |
| North | Kaukauna, WI |
| Little Chute | Little Chute, WI |
| Wrightstown | Wrightstown, WI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Wisconsin
A look at other Wisconsin credit unions, ranked by how closely their peer group and asset size match this one.
UNISON nationwide neighbourhoods
UNISON's nationwide photo peers by assets and by health score, excluding Wisconsin charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($384.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (92/100 here).
Using this data
- UNISON ranks #843 of 4,374 nationally on financial health and #33 of 100 in WI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Park City is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Park City
- Rates and health both vary by institution, not just by state -- see how Wisconsin credit unions compare overall before assuming this one is typical. Wisconsin state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is UNISON financially healthy?
UNISON has a financial health score of 92/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #843 of 4,374; by total assets it ranks #891 of 4,374 nationally (same basis as /rankings/largest); and #25 of 100 within Wisconsin. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 9.68% and delinquency rate of 0.40%.
How does UNISON compare to other credit unions?
UNISON scores 92/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join UNISON?
Membership eligibility for UNISON depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact UNISON directly for current membership requirements and application steps.
Is my money safe at UNISON?
Federal credit unions like UNISON are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. UNISON's net worth ratio of 9.68% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does UNISON offer compared to banks?
Credit unions like UNISON are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact UNISON directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.