Credit Union Safety Analysis
Is Unitedone Credit Union Safe? Manitowoc, Wisconsin
Based on its Q2 2026 NCUA 5300 call report, Unitedone Credit Union has a net worth ratio of 11.82%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.24%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Unitedone Credit Union's net worth ratio is 11.82%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.82%
- Delinquency ratio (60+ days) (Q2 2026): 0.24%
- Return on assets (Q2 2026): 1.30%
- Loan-to-share ratio (Q2 2026): 102.27%
Unitedone Credit Union (NCUA charter 67248, established 1950) reported $348.3M in assets and 19,002 members for Q2 2026 from Manitowoc, Wisconsin. It ranks 29 of 98 credit unions in Wisconsin by total assets. Total assets grew 9.5% from $318.2M on June 30, 2025. It has 103 fewer members than on June 30, 2025 (-0.5%). Its net worth ratio was down 0.30 percentage points from 12.12% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $178.2M of $289.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.24% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 11.88% for Q1 2026; 12.12% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.09% for Q1 2026; 0.21% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.57% for Q1 2026; 1.03% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 98.51% for Q1 2026; 94.89% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $178.2M
- Used vehicle loans: $44.2M
- Commercial loans: $41.4M
- New vehicle loans: $11.9M
- Other secured non-real estate loans and lines of credit: $7.9M
- Other unsecured loans and lines of credit: $5.6M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $348.3M | 11.82% | 0.24% | 1.30% | 102.27% |
| March 31, 2026 | $336.5M | 11.88% | 0.09% | 0.57% | 98.51% |
| December 31, 2025 | $329.1M | 12.03% | 0.32% | 0.57% | 100.28% |
| September 30, 2025 | $321.0M | 12.24% | 0.10% | 0.93% | 98.75% |
| June 30, 2025 | $318.2M | 12.12% | 0.21% | 1.03% | 94.89% |
| March 31, 2025 | $315.5M | 11.96% | 0.07% | 0.16% | 92.77% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Unitedone Credit Union profile
Regulator records: NCUA credit union profile (charter 67248) · FFIEC NIC profile (RSSD 947990)
Frequently asked questions
Is Unitedone Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Unitedone Credit Union's net worth ratio is 11.82%, above the 7% NCUA threshold for well capitalized.
Is Unitedone Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Unitedone Credit Union is a federally insured credit union (NCUA charter 67248): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Unitedone Credit Union's key safety ratios?
For Q2 2026, Unitedone Credit Union reports net worth 11.82%, delinquency 0.24%, ROA 1.30%, loan-to-share 102.27%.
What happens to my money if Unitedone Credit Union fails?
For Q2 2026, Unitedone Credit Union held $282.7M in shares and deposits for 19,002 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.