# UNISON
Kaukauna, WI · NCUA charter 66851 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/unison-66851

Who the members are: state charter, organized 1932. 18,160 members of 764,976 potential (2.4% of the field); checking penetration 66% (share draft accounts per 100 members); loans per 100 members 46.

**Verdict on the desk:** this could be *participation buyer*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $388.9M |
| Members | 18,160 (-4.8% YoY) |
| Full-time staff | 60 |
| Net worth | $36.3M |
| Net worth ratio | 9.3% (p20 of band) |
| ROA (annualized) | 0.96% (p69 of band) |
| Total delinquency | 0.41% (p31 of band) |
| Net charge-offs (annualized) | 0.19% (p27 of band) |
| Loans / shares | 69% (p40 of band) |
| Cash / assets | 4.5% |
| Borrowings / assets | 9.51% |
| Net interest margin | 3.17% (p24 of band) |
| Operating expense / assets | 2.66% (p16 of band) |
| Vehicles % of loans | 19% (p20 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 1% |
| Third-party paper % of net worth | 105% (p58 of band) |
| Vehicle delinquency | 0.18% (p14 of band) |
| Vehicle NCO | 0.00% (p4 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 60% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 59% |
| Core shares % of member funds | 52% |
| Certificates % of member funds | 20% |
| Average share balance | $6,904 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $31.6M |
| Loans outstanding per 100 members | 46% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $26,224 |
| Loans granted, annualized | $59.4M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $31.6M outstanding purchased (87.1% of net worth), $0 sold and retained. Sold in 0 and bought in 5 of the last 8 quarters. Shares 6.4% year over year.

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)
- **leaning on borrowings** (`str_borrowings`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | delinquency rising |  |
| 2017-06 | 0 |  | delinquency rising |
| 2017-09 | 1 | net worth falling |  |
| 2017-12 | 0 |  | net worth falling |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 2 | net worth falling, delinquency rising |  |
| 2019-09 | 1 |  | delinquency rising |
| 2019-12 | 0 |  | net worth falling |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | net worth falling |  |
| 2020-09 | 1 | delinquency rising | net worth falling |
| 2020-12 | 0 |  | delinquency rising |
| 2021-03 | 2 | net worth falling, margin squeeze |  |
| 2021-06 | 1 |  | margin squeeze |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | net worth falling |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | net worth falling |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 0 |  | net worth falling |
| 2023-03 | 1 | delinquency rising |  |
| 2023-06 | 0 |  | delinquency rising |
| 2023-09 | 2 | net worth falling, delinquency rising |  |
| 2023-12 | 3 | 3rd-party paper>100% NW |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 2 |  | net worth falling |
| 2024-09 | 1 |  | delinquency rising |
| 2024-12 | 2 | leaning on borrowings |  |
| 2025-03 | 1 |  | leaning on borrowings |
| 2025-06 | 2 | leaning on borrowings |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 4 | delinquency rising, members leaving |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2017-06-16 [Unison opens Grand Chute location - The Post-Crescent](https://news.google.com/rss/articles/CBMinAFBVV95cUxQUGJ0ZWVxV1Z4WjJkczNaZTJqXzZUNEpMS1QzWDNXak81VzNlblhqbGlwendCc3kydUJnNGhRbGpQUHlDYjlNNm1wcXpRR3d2eXd6R1lEc0V6SktkV09WbzlXMHhHOVlSSUNDYnlqYWV0ZVFJR0l5RTRmY1ZWVkQ1SGYwQ0RMRk12c0pmeU5kU2ZIRHJsZG1BOW5KbWo?oc=5) · The Post-Crescent
- 2022-08-22 [Little Chute school district unveils $1.2 million stadium - WLUK](https://news.google.com/rss/articles/CBMilgJBVV95cUxNQVpfX0JYZ01xejFUN2podmxYTFpOR0xKcy1fVWJ2U2M3YjhsMGdVOXowZE1RLXB3VVlGcUhZbG5CbEZOOV9LYnZzRUJpTWY5ZjRrdWszN2pwWDRrX2pmZkdma0dHcldUSjBoM0FmNXpWczEtNmRvT3VPT21mSVNCVU52bUNBdm9YQ21DN2VXTWVSei1QQldUaHlEbVdRa3MweEZ5TWdtdVpCNUZ1b2tRTmtGeXp0RnkyNG9JRTY2TkpBenlEMXpnTWdKV2JGVEhjS09vMXFJLXRMc1B0RzAySTBwaXlET3JYcE5jSDlJLWZSaGJiSndGZlMtX0ljcjRWaUJxRmZDLXB1Vm1pdHdRa1JBNWpzUQ?oc=5) · WLUK
- 2017-07-19 [Unison Credit Union secures naming rights to Kaukauna Youth Baseball complex in Harrison - The Post-Crescent](https://news.google.com/rss/articles/CBMi4AFBVV95cUxQaDU2bTFzSXBvVnQ3aU9mUU1KcUJlOTgzaDN5UzRjLUV4ak9OTEVCVnhVNjJzRTFjNjd1QXVpTzVKckJGNzd3ZkFQYXRBOGs1OHVqUmduZVpGWEZLXzJpQWtjbGpPT2ZHNy1zWmdLelUwT25vcXgzbWJ1aGhNa25IUVdzMGJMNHJmdlRvMnpZLXB3WDliNU1vSkk0endLT01UZ2o5aUVIU1hxZGZ5dnIyd2wwYnRjWWY2VmVYejhTYnZCWVpWR3gzYUFiUG5LVHVuTlpOVVkyX2szaWJIa0ZmWg?oc=5) · The Post-Crescent
- 2022-03-13 [313 Dodge wins entrepreneur of the year award - Kaukauna Community News](https://news.google.com/rss/articles/CBMilwFBVV95cUxOSk5wM211WVZVYkFGQ0VCR0s3MFZVYWxEQ1BiWUNzajExSWl4WmdBQVcxRjhNeEpNWnJTRVNqWmFzRE5YR0FOV0ZxVHpuUEZ1d3lPWWpnN1J3ZXFWT3RfWmxKWEhaOTNhblViOGpMVXdOMVZsQWxMUW1VV3NDaFE5bWgtWXRnZ1VkcTZJRkxOQWFlY0ZvS3dV?oc=5) · Kaukauna Community News
- 2024-10-01 [First suspect convicted in $38,000 Kaukauna ATM theft case - WLUK](https://news.google.com/rss/articles/CBMi2AJBVV95cUxNYklPYlJJV1NpS0Yzb0RVU2xVamc4T0xja2RmbEcyRXBYalFLc1RDbzBSQ0pnT24tR0hiMlBpbzQ1M3A1UlNtSEZnZ04wbm9kOVQwVHYweGE2alQzTW1adzlsaUN4d0w3dUhvaHZhSVl6WXhXbERQbGpqZWxLYjR0U2RGb29UTWE0UUthc3NpTFpyMzJRamVmbi1TYjFXTUpySjRfcHVvaTlwYUptLVVBdFUycGhOajVDVW1MbVZIdW94WjZseW45T2F4MWlEcUFZUTJhTUI2V3Nzcjl6aFQ0Y1BFaFhhR1ZCQTZGajhrN3pFWVFLOW5mTE5udGdfTEpwclRaZHNlTVkxMDVQZzdUeTctQURLN0lsblhMc1FaUjJjdHNHdmUtYlFwNlQ0WDg0NG9SRjZpcXNXV19kNzk1NDlhYmpMNTZsVHp3ZWh1RjVMY2xRUFBCWA?oc=5) · WLUK
- 2016-07-02 [Who's News: July 3 - The Post-Crescent](https://news.google.com/rss/articles/CBMihAFBVV95cUxNdEN3VFZ2cTRGR21VaGdpdVlfLWFiUTRNNENuSmRUUEFXMThiYlBQSkRZREFvUjBRWHpxaWM0LWhuZGhsNlcyVlhhckVyRXItVGwzamtLSFI2R251WFpFOFVfVVdhblNET3ZlWjQ5dHRRX1VjME1obGNlVjVocUZjeWtRc2E?oc=5) · The Post-Crescent
- 2024-09-25 [FOX 11 Investigates: No evidence Kaukauna ATM burglary tied to Venezuelan gang, police say - WLUK](https://news.google.com/rss/articles/CBMivwFBVV95cUxOaGdHZkZXQWdZREtneFBvRDhabGc4NDNYTGpZRWJadEhaVllnMTVsWG84MzFDc3B4QmdkY1RhMktNLXplcEl2dk9VZV95ZFQySlhHdTczdW55a0QxLS1YbWdsVTF5dWx0X3dOaldwUGhrbXkwMGpFOEwxaVprSmtwQS1OWmZuNzdoRUd3bWdQTTRTVHdDQmFuQXRlTUg2RlNseXdaZm1QZ0c0ZnVBYkt3czFieDJVOUROV3J1MmpXdw?oc=5) · WLUK
- 2025-05-20 [Fifth defendant sentenced to jail for role in $38,000 ATM theft in Kaukauna - WLUK](https://news.google.com/rss/articles/CBMiiwJBVV95cUxOeEFBV2R4MnNRMThaalE5MVMtUXlXRDMxN21malZNY3RjSXlrU1ZUbFY4QjQ4UnRDZkU5MElocUpBNVpjVXVBME01NjczM3Rib2Foc0FIR0I4ZENIOU80d09QTDNfWEpBWWQ0WW44dXlSanFiRnUzZmdycXVvcGVRQ1E4RjZEdHhMVWprd3RxYWg2T0hIRWtrb1N4ZFczMG9zbHVxejNCUVl4V0c1YnpWWmRCYVJJNHFwN1pHRjUtRzkxY0E4MWVqaG9QclVCaXJUU19rb05SWlM0N2EzSlVqb1BrWTRmdU5NM0o5VExFUDlEZURHY19TVXpuUEdPRjRRU2thV2xDUkFraGc?oc=5) · WLUK

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66851 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/35.json (key "66851", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=66851
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide