State credit union · Manitowoc, Wisconsin · NCUA charter #67248
UNITEDONE
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $329.1M
- Total assets
- 19,017
- Members
- 11.9%
- Net-worth ratio
UNITEDONE scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $329.1M; members 19,017; net-worth ratio 11.88%; health rank #1,458 of 4,374; healthier than 65th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,458 of 4,374 health · 2025Q4UNITEDONE · health 88/100 · $329.1M · 2025Q4
Call Report peers
UNITEDONE in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
UNITEDONE vs every NCUA-scored credit union
UNITEDONE sits in the busiest band, 85-89, alongside 857 other credit unions.
88 Top 35% higher than 65% 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
UNITEDONE: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 100.28% vs peer 72.20% (+28.08 pp).
- Widest shortfall vs peers is Net Worth Ratio: -0.23 pp (11.88% vs 12.11%).
UNITEDONE: in-state Call Report ranks
- In Wisconsin, health place is #56 of 100 on the same NCUA-ratio sort used nationally.
- Wisconsin assets place: #29 of 100.
- Member book place in Wisconsin: #27 of 100.
- One place up in Wisconsin, Tomah Area (#55) ties at 88/100; one place down, Northwestern Mutual (#57) ties at 88/100.
Quarter path for UNITEDONE
UNITEDONE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.3% from $329.1M (2025Q4) to $336.5M (2026Q1).
- Net-worth ratio shifted -0.15 pp (12.03% → 11.88%).
This credit union's 11.88% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 88/100 score is built
UNITEDONE gives up 12 points in total. Member Growth costs the most, 7.9 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 7.1 pts
- Loan-to-Share Ratio 10.9 pts
UNITEDONE vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.88% | -0.23 pp |
| Delinquency Rate | 0.32% | -0.58 pp |
| Return on Assets | 0.77% | +0.15 pp |
| Member Growth | -1.04% | - |
| Loan-to-Share Ratio | 100.28% | +28.08 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $336.5M | - |
| 2025Q4 | $329.1M | 19,017 |
| 2024Q4 | $307.3M | 19,217 |
| 2023Q4 | $303.1M | 19,436 |
Credit Union Details
- Charter Number
- 67248
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Wisconsin
- City
- Manitowoc
- Data Quarter
- 2025Q4
Branch Locations (7)
Per its most recent NCUA branch filing, UNITEDONE runs 7 offices in 2 different cities.
| Office | City |
|---|---|
| Main Office - 10th Street (Main Office) | Manitowoc, WI |
| Menasha Ave Branch | Manitowoc, WI |
| Walmart Branch | Manitowoc, WI |
| Sheboygan North Branch | Sheboygan, WI |
| Sheboygan South Branch | Sheboygan, WI |
| Sheboygan Memorial Branch | Sheboygan, WI |
| Sheboygan Downtown | Sheboygan, 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.
Other-state peers near UNITEDONE
Using this data
- UNITEDONE ranks #1,458 of 4,374 nationally on financial health and #56 of 100 in WI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CLOVERBELT is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CLOVERBELT
Frequently Asked Questions
Is UNITEDONE financially healthy?
On its 2025Q4 NCUA 5300 filing, UNITEDONE scores 88/100 (Excellent), with a 11.88% net worth ratio and 0.32% of loans delinquent. It ranks #1,458 of 4,374 nationally on health and #56 of 100 in Wisconsin.
How does UNITEDONE compare to other credit unions?
UNITEDONE scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (100.28% vs 72.20%). Its widest shortfall is net worth ratio (11.88% vs 12.11%).
How can I join UNITEDONE?
Membership eligibility for UNITEDONE depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact UNITEDONE directly for current membership requirements and application steps.
Is my money safe at UNITEDONE?
UNITEDONE is a state-chartered credit union; its shares are federally 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. UNITEDONE's net worth ratio of 11.88% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.