TellerScore

Unitedone Credit Union is a federally insured state-chartered credit union headquartered in Manitowoc, Wisconsin, in business for about 88 years. At the end of Q2 2026 it reported $348.3M in total assets and $282.7M in member shares and deposits, with 7 offices.

Unitedone Credit Union has a TellerScore of 73 out of 100 (strong) based on Q2 2026 data — higher than 60% of its 1,341 credit unions with $100 million – $1 billion. Among 98 credit unions headquartered in Wisconsin, it ranks 53rd. Problem-loan coverage contributes the most (96/100, 1.8%); earnings contributes the least (57/100, 0.92%).

TellerScore · Q2 2026

Scorecard

Capital cushion68/100
Net worth ratio: 11.82%
Loan quality92/100
Loans 60+ days delinquent ÷ total loans: 0.24%
Earnings57/100
Return on assets (annualized): 0.92%
Funding & liquidity58/100
Loans ÷ shares: 102.3% · 6.2% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.80%

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 (73 → 73).

TellerScore
717375Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202475
Q3 202475
Q4 202474
Q1 202571
Q2 202573
Q3 202574
Q4 202571
Q1 202673
Q2 202673
Net worth ratio
7.00%9.62%12.24%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.79%
Q3 202412.01%
Q4 202412.22%
Q1 202511.96%
Q2 202512.12%
Q3 202512.24%
Q4 202512.03%
Q1 202611.88%
Q2 202611.82%
Delinquent loans (60+ days)
0.07%0.19%0.32%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.20%
Q3 20240.24%
Q4 20240.27%
Q1 20250.07%
Q2 20250.21%
Q3 20250.10%
Q4 20250.32%
Q1 20260.09%
Q2 20260.24%
Return on assets
0.16%0.54%0.92%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.91%
Q3 20240.88%
Q4 20240.83%
Q1 20250.16%
Q2 20250.60%
Q3 20250.70%
Q4 20250.66%
Q1 20260.57%
Q2 20260.92%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$348.3M11.82%0.24%0.92%102.3%
Q1 202673$336.5M11.88%0.09%0.57%98.5%
Q4 202571$329.1M12.03%0.32%0.66%100.3%
Q3 202574$321.0M12.24%0.10%0.70%98.8%
Q2 202573$318.2M12.12%0.21%0.60%94.9%
Q1 202571$315.5M11.96%0.07%0.16%92.8%
Q4 202474$307.3M12.22%0.27%0.83%95.0%
Q3 202475$310.3M12.01%0.24%0.88%92.2%
Q2 202475$310.8M11.79%0.20%0.91%90.7%

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 ratio11.82%
56th
Problem loans0.24%
87th
Net charge-offs0.12%
83rd
Return on assets0.92%
62nd
Loans to deposits102.3%
2nd
Uninsured deposits6.2%
47th
Loan-loss reserves0.00%
50th
Texas ratio1.8%
78th

Similar-size credit unions in Wisconsin

InstitutionScoreAssetsCapitalProblem loansCompare
Cloverbelt Credit UnionCredit union Wausau, WI76 out of 100, Strong$354.2M12.4%0.24%vs
Prospera Credit UnionCredit union Appleton, WI61 out of 100, Moderate$378.9M9.1%0.22%vs
Valley Communities Credit UnionCredit union Mosinee, WI83 out of 100, Strong$306.9M13.0%0.28%vs
Unison Credit UnionCredit union Kaukauna, WI71 out of 100, Strong$393.6M9.7%0.29%vs
Park City Credit UnionCredit union Merrill, WI67 out of 100, Moderate$397.4M9.9%0.36%vs
Guardian Credit UnionCredit union Oak Creek, WI70 out of 100, Strong$294.2M10.3%0.42%vs

Deposit insurance

Is my money safe at Unitedone Credit Union?

Yes. Unitedone Credit Union is a federally insured credit union (NCUA charter #67248). 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 6.2% of shares and deposits ($17.4M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 11.82%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

7 locations

Branches

Unitedone Credit Union lists 7 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Unitedone Credit Union reported 451 home-loan applications under HMDA (LEI 5493009ULL1JFIC1C287): 330 originated ($45,140,000 total), 56 denied, and 44 withdrawn or closed by the applicant. Its denial rate on decided applications was 13.8%, 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.

Identity & history

Profile

Legal name
Unitedone Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67248
RSSD ID
947990
Primary regulator
State + NCUA
Established
1938
Headquarters
1117 S 10th St, Manitowoc, WI 54220
Employees
102

Quick answers

Unitedone Credit Union: common questions

Is Unitedone Credit Union NCUA insured?

Yes. Unitedone Credit Union is a federally insured credit union (NCUA charter #67248). 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 Unitedone Credit Union's TellerScore?

73 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 Unitedone Credit Union have?

7 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Manitowoc

InstitutionScoreAssetsCapitalProblem loansCompare
Sheboygan Area Credit UnionCredit union Sheboygan, WI97 out of 100, Very strong$93.4M15.3%0.13%vs
National Exchange Bank and TrustBank Fond Du Lac, WI88 out of 100, Very strong$2.9B20.1%0.37%vs
Community First Credit UnionCredit union Appleton, WI84 out of 100, Strong$6.8B12.8%0.14%vs
State Bank of ChiltonBank Chilton, WI80 out of 100, Strong$516.5M12.7%0.58%vs
Premier Financial Credit UnionCredit union New Holstein, WI78 out of 100, Strong$132.4M13.6%0.95%vs
Holy Family Memorial Credit UnionCredit union Manitowoc, WI75 out of 100, Strong$19.7M11.1%0.09%vs