TellerScore

Headquartered in Kaukauna, Wisconsin, Unison Credit Union is a federally insured state-chartered credit union with $393.6M in total assets and $321.7M in member shares and deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1932.

Based on its Q2 2026 filing, Unison Credit Union scores 71/100, which we describe as strong. That is higher than 54% of 1,341 credit unions with $100 million – $1 billion. Among 98 credit unions headquartered in Wisconsin, it ranks 57th. Its strongest component is problem-loan coverage (96/100; 1.8%), and its lowest is capital cushion (47/100; 9.71%).

TellerScore · Q2 2026

Scorecard

Capital cushion47/100
Net worth ratio: 9.71%
Loan quality90/100
Loans 60+ days delinquent ÷ total loans: 0.29%
Earnings56/100
Return on assets (annualized): 0.90%
Funding & liquidity89/100
Loans ÷ shares: 71.3% · 8.2% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.79%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (70 → 71).

TellerScore
677072Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202469
Q4 202472
Q1 202571
Q2 202570
Q3 202569
Q4 202569
Q1 202670
Q2 202671
Net worth ratio
7.00%8.44%9.88%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.41%
Q3 20249.46%
Q4 20249.80%
Q1 20259.88%
Q2 20259.79%
Q3 20259.73%
Q4 20259.71%
Q1 20269.68%
Q2 20269.71%
Delinquent loans (60+ days)
0.26%0.34%0.41%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.40%
Q3 20240.33%
Q4 20240.29%
Q1 20250.26%
Q2 20250.31%
Q3 20250.32%
Q4 20250.40%
Q1 20260.41%
Q2 20260.29%
Return on assets
0.57%0.76%0.96%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.57%
Q3 20240.64%
Q4 20240.93%
Q1 20250.80%
Q2 20250.70%
Q3 20250.67%
Q4 20250.76%
Q1 20260.96%
Q2 20260.90%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$393.6M9.71%0.29%0.90%71.3%
Q1 202670$388.9M9.68%0.41%0.96%69.3%
Q4 202569$384.2M9.71%0.40%0.76%70.1%
Q3 202569$364.7M9.73%0.32%0.67%71.4%
Q2 202570$363.1M9.79%0.31%0.70%69.6%
Q1 202571$345.5M9.88%0.26%0.80%68.0%
Q4 202472$338.9M9.80%0.29%0.93%68.1%
Q3 202469$333.5M9.46%0.33%0.64%63.8%
Q2 202467$326.2M9.41%0.40%0.57%64.0%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.71%
23rd
Problem loans0.29%
83rd
Net charge-offs0.22%
68th
Return on assets0.90%
60th
Loans to deposits71.3%
58th
Uninsured deposits8.2%
27th
Loan-loss reserves0.00%
50th
Texas ratio1.8%
78th

Similar-size credit unions in Wisconsin

InstitutionScoreAssetsCapitalProblem loansCompare
Park City Credit UnionCredit union Merrill, WI67 out of 100, Moderate$397.4M9.9%0.36%vs
Prospera Credit UnionCredit union Appleton, WI61 out of 100, Moderate$378.9M9.1%0.22%vs
First Community CU of Beloit Credit UnionCredit union Beloit, WI63 out of 100, Moderate$410.2M10.7%0.77%vs
Cloverbelt Credit UnionCredit union Wausau, WI76 out of 100, Strong$354.2M12.4%0.24%vs
Unitedone Credit UnionCredit union Manitowoc, WI73 out of 100, Strong$348.3M11.8%0.24%vs
Fort Community Credit UnionCredit union Fort Atkinson, WI59 out of 100, Moderate$449.8M11.7%1.59%vs

Deposit insurance

Is my money safe at Unison Credit Union?

Yes. Unison Credit Union is a federally insured credit union (NCUA charter #66851). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 8.2% of shares and deposits ($26.5M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 9.71%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

Unison Credit Union lists 5 offices in 4 cities. Most locations:

  • Kaukauna, WI (2)
  • De Pere, WI (1)
  • Little Chute, WI (1)
  • Wrightstown, WI (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Unison Credit Union reported 123 home-loan applications under HMDA (LEI 549300L5K7XBSXWT6D49): 111 originated ($23,455,000 total), 5 denied, and 6 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

CFPB TCCP survey · December 31, 2025

Credit card terms

CardPurchase APRAnnual feeLate feeForeign fee
Visa Platinum9.99%$0$101.0%
Visa Platinum Rewards12.99%$0$101.0%

All Unison Credit Union card terms

Identity & history

Profile

Legal name
Unison Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
66851
RSSD ID
792499
Primary regulator
State + NCUA
Established
1932
Headquarters
PO Box 260, Kaukauna, WI 54130
Employees
72

Quick answers

Unison Credit Union: common questions

Is Unison Credit Union NCUA insured?

Yes. Unison Credit Union is a federally insured credit union (NCUA charter #66851). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Unison Credit Union's TellerScore?

71 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Unison Credit Union have?

5 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Kaukauna

InstitutionScoreAssetsCapitalProblem loansCompare
Thrivent Trust CompanyBank Appleton, WI93 out of 100, Very strong$15.5M82.7%0.00%vs
National Exchange Bank and TrustBank Fond Du Lac, WI88 out of 100, Very strong$2.9B20.1%0.37%vs
Winnebago Community Credit UnionCredit union Oshkosh, WI85 out of 100, Very strong$176.1M13.8%0.13%vs
Community First Credit UnionCredit union Appleton, WI84 out of 100, Strong$6.8B12.8%0.14%vs
American National Bank - Fox CitiesBank Appleton, WI84 out of 100, Strong$432.6M13.6%0.00%vs
North Shore BankBank Brookfield, WI84 out of 100, Strong$2.6B14.4%0.10%vs