# UNITEDONE
Manitowoc, WI · NCUA charter 67248 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/unitedone-67248

Who the members are: state charter, organized 1938, low-income designated. 18,992 members of 250,022 potential (7.6% of the field); checking penetration 76% (share draft accounts per 100 members); loans per 100 members 41.

**Verdict on the desk:** this could be *liquidity-tight*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $336.5M |
| Members | 18,992 (-0.8% YoY) |
| Full-time staff | 86 |
| Net worth | $40.0M |
| Net worth ratio | 11.9% (p59 of band) |
| ROA (annualized) | 0.57% (p40 of band) |
| Total delinquency | 0.09% (p5 of band) |
| Net charge-offs (annualized) | 0.17% (p24 of band) |
| Loans / shares | 99% (p98 of band) |
| Cash / assets | 5.6% |
| Borrowings / assets | 3.67% |
| Net interest margin | 4.16% (p85 of band) |
| Operating expense / assets | 4.91% (p92 of band) |
| Vehicles % of loans | 19% (p19 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p9 of band) |
| Vehicle delinquency | 0.18% (p14 of band) |
| Vehicle NCO | 0.42% (p38 of band) |
| Repossessed % of vehicle book | 0.06% (p64 of band) |
| Real estate % of loans | 62% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 99% |
| Core shares % of member funds | 64% |
| Certificates % of member funds | 14% |
| Average share balance | $6,541 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 41% |
| Loans granted per 100 members, annualized | 27% |
| Average loan balance | $36,128 |
| Loans granted, annualized | $102.5M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **expense trap** (`earn_opex`)
- **loans>95% of shares** (`str_ltos`)

## 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 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | loans>95% of shares |  |
| 2018-03 | 0 |  | loans>95% of shares |
| 2018-06 | 1 | loans>95% of shares |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | expense trap |  |
| 2020-06 | 2 | net worth falling | loans>95% of shares |
| 2020-09 | 1 | margin squeeze | expense trap, net worth falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | net worth falling |  |
| 2021-06 | 0 |  | margin squeeze, net worth falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | net worth falling |  |
| 2022-03 | 2 | delinquency rising |  |
| 2022-06 | 0 |  | net worth falling, delinquency rising |
| 2022-09 | 1 | delinquency rising |  |
| 2022-12 | 0 |  | delinquency rising |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 1 | net worth falling |  |
| 2024-06 | 1 | delinquency rising | net worth falling |
| 2024-09 | 1 |  |  |
| 2024-12 | 0 |  | delinquency rising |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | loans>95% of shares |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 3 | net worth falling, expense trap |  |

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

- 2026-02-17 [UnitedOne Credit Union announces CEO transition - CUInsight](https://news.google.com/rss/articles/CBMikgFBVV95cUxNazBFQU5sQkhzWWZ4OUZxVnU4eHBxaGRUWkFPRkhjWTlsT3VEejdRNVN4SHZibmhQSEJrdUoxd0VZenltUUJoRjlZQVlFVkJJSFpaVVl4MWpCeWRNT1ZjaEF6bXR6SzJpcmRqaFJOYk93OERtVklPTGZnbXFHTmVxZVJzWGRkWXJCbnl2RUxuczJjUQ?oc=5) · CUInsight
- 2026-04-10 [UnitedOne again named one of Wisconsin’s best places to work - Herald Times Reporter](https://news.google.com/rss/articles/CBMiyAFBVV95cUxPeFBzTXl1WFUwR2lxTk1KY2Mwb1hRNnpXbzJCNUtaMzhUQ2J0d3ZTdDI1aTM4RFAtZkVCVVFNSk9RemUzeHJ1VjNTVWNsVkRNRlpuWGFNbkwyb054ODR2SHdLaGZDTklnSHhUYVRIRlQ1TEFvc1RLRXZ1MTVhcVVmNWRVTkR2OWE5Smh3TV94OEhIWmZxWE42cjI0dUl2dF9mellqLUFvVURTNmdQWXZpYzQtSnVsdGN6MEx4Q0NvRndnLXlSOVR5Xw?oc=5) · Herald Times Reporter
- 2026-06-05 [Lots of Manitowoc-area business changes start 2026 - Herald Times Reporter](https://news.google.com/rss/articles/CBMiyAFBVV95cUxPaWJ4TFB6UzVpSXlmZ1N6UWJqc0RqNHQtT2pweU5IYjJTaGwtNjF4bnBRSk5HTmFkUlVFMmdvdTRzSXhxTC1NVXcwSmFKNHhSTzRVWDZIYTBiZGoyaEg2dTB5SnluVmNRVVFGMldKVkZhR1NGWXJaYXNrRkVFR3NtSEVDd0NGWDJVWXNxb0prU2RQQ3NSSnBfV2VMQjl6RFVxRUJGVGVEcGRfWmx0MzZWbmxocnRTdnVTR2pOMkp1SUFVZjAyWVJ6SA?oc=5) · Herald Times Reporter
- 2017-12-28 [UnitedOne Credit Union introduces automated tellers - The Sheboygan Press](https://news.google.com/rss/articles/CBMiwwFBVV95cUxPY3VUSkMxVDNrWjFCZVdaUV9XeDRRdkFaUHV2d0loZGFzUU44RkpCVHJWQXltVmRSNldmNU5qcTRMQ0liUGlsRzJpYVU3eVBsRXhYejZ4bThZZmZ2M2V2WTU3dS1OVVdzWkpleS1Iemt3SGF4bERVSmpPM0x5a2F1THNoR1lvMnY4V215b0E0TGtZVTlhUDYxMmZBWnlOcHdWdVR5OE95V1pWZnZtTWtUS0RNRG9hcHYwNjlla05ycXNwVVE?oc=5) · The Sheboygan Press
- 2023-05-10 [UnitedOne Credit Union Awards Scholarships to a Pair of Area Students - Seehafer News](https://news.google.com/rss/articles/CBMirwFBVV95cUxONHV5T0lDSWlNQ2FaSnQzRDVZX3BpaG9xRVdxdFZ6Q3gxX1c3cVdfWWZLRllYVTB5U2YzdEhwazllNjNsSzBKRk5QSzdUT1dOSFcyUy1BVXA5N1dHZGYtMkRUYmMyRVE1SjQxNVVZbjFjN3lybjZmYVY2OUJmNmxIZll1TEtJQmhINXhhRDlsN1NKekZQd2ctWmo1YWdxSmdJLWQ5dGp4eFI2OUtRUTJR?oc=5) · Seehafer News
- 2018-05-04 [UnitedOne Credit Union hires new technology services director | Briefcase - The Sheboygan Press](https://news.google.com/rss/articles/CBMi8AFBVV95cUxOeW5haE5IckVlVkF2Yzd6MzI4bVFGSlFhQ1pIREYzVzdLamNYZ2pVdWJtTlhvdkZ2Y0N2YUhxWVFJb2Z2a1NqOHJNdE1mS2dQcjZVQmZIb2xobHI2bVN5ZXlyVEduUEhTallKZWJNWjN1d1dINHBTRzFTYzFSZVdJMnpRbmtwMl9udjMtOFNfWG1ndC15YmREOE1ObjRJZDVnOGJNalBDb0lHSEpQaFpiaXJrekVzRjRNLWduWUR4T1NQZVJ2VEg2aHpyZFV6QmNqMWhydElNMFA0aEMyVmNSZjJaN1NBdGUyc2ctSjRuNWU?oc=5) · The Sheboygan Press
- 2022-05-17 [UnitedOne Credit Union Reveals Scholarship Award Winners - Seehafer News](https://news.google.com/rss/articles/CBMingFBVV95cUxNWnV3Ym9oT1dLdmdZMDk4cWhyWXROdEpqMlNuN1Nsa2dwVDl6b1hIRDFXSFpVQXczamdKX3MxRjA3N1pqX1pIQXJGVHBmQUtaUWVnOVlDdHllemZJaGlxdVlrWEFaQkZaMUxDMFZNVllGY1AySmVHOE5KSTdhQ3Q0MDltYlU4ZW53dGNjbk50TnZEZDNLbjBJVEwzTE10QQ?oc=5) · Seehafer News
- 2026-09-01 [UnitedOne reaches No. 1 on Best Credit Unions to Work For list - Herald Times Reporter](https://news.google.com/rss/articles/CBMiwAFBVV95cUxPc2xDeXJaTXRxMHdKMmFpZGJLVVNDMXV6RjlHV1UwNkgzT1FhRjZISlhPaEZ1OXVHNjJVWk5IRTU1aXVZT2JZRW56STdVVEhObFdGbGxXdHJ4NmtJQjRBcjJYTGNheUpHcXMyc2d3blJ0V19Yc0Q1N2lrSm5rbi1mV3U2QlFRY0lXWXItVF9NNThQSnY3RmxPNmZJZTFVTktDQ0gycXlJbU5sZ3Q3d3pwSEw1WC1DcmFQWF9md0FvZ0Q?oc=5) · Herald Times Reporter

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67248 (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/48.json (key "67248", 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=67248
- 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