UNITEDONE

Charter #67248 | WI

100M-500M (1077 CUs) Micro
27 100M-500M in WI

UNITEDONE has 7 strengths but faces 9 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 17.0% in tier
  • + Wallet Share Momentum: Top 20.4% in tier
  • + Net Interest Margin 0.40% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Loan-to-Share Ratio: Top 3.5% in tier
  • + Total Delinquency Rate (60+ days): Top 5.2% in tier
  • + Fee Income Per Member: Top 8.3% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 8.1% in tier
  • - Efficiency Drag: Bottom 15.4% in tier
  • - Deposit Outflow: Bottom 16.2% in tier
  • - Stagnation Risk: Bottom 16.5% in tier
  • - Membership Headwinds: Bottom 25.7% in tier
  • - Liquidity Overhang: Bottom 35.5% in tier
  • - ROA 0.08% below tier average
  • - Efficiency ratio 6.18% above tier (higher cost structure)
  • - Members Per Employee (MPE): Bottom 4.5% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Members 19,060
-1.3% YoY-0.2% QoQ
 +3.4K 15,628
-3.4% YoY
 38,719
+8.7% YoY
 33,089
+6.1% YoY
 72nd in tier
Assets $321.0M
+3.5% YoY+0.9% QoQ
 +$89.7M $231.3M
-0.0% YoY
 $717.4M
+12.8% YoY
 $547.7M
+7.8% YoY
 Top 23.5% in tier
Loans $266.4M
+6.5% YoY+2.0% QoQ
 +$118.6M $147.8M
-1.4% YoY
 $555.6M
+13.3% YoY
 $388.7M
+8.6% YoY
 Top 11.0% in tier
Deposits $269.8M
-0.6% YoY-2.0% QoQ
 +$69.5M $200.3M
-0.0% YoY
 $603.1M
+13.2% YoY
 $464.6M
+9.3% YoY
 Top 24.5% in tier
ROA 0.7%
-19.9% YoY+17.9% QoQ
 -0.1% 0.8%
+15.5% YoY
 0.7%
-20.1% YoY
 0.7%
+273.4% YoY
 46th in tier
NIM 4.0%
+10.8% YoY+0.7% QoQ
 +0.4% 3.6%
+6.9% YoY
 3.5%
-0.2% YoY
 3.7%
+5.0% YoY
 72nd in tier
Efficiency Ratio 83.5%
-1.7% YoY-0.2% QoQ
 +6.2% 77.3%
-3.0% YoY
 74.2%
-2.5% YoY
 79.1%
-3.3% YoY
 72nd in tier
Delinquency Rate 0.1%
-57.2% YoY-51.4% QoQ
 -0.8 0.9%
+7.6% YoY
 1.0%
+20.8% YoY
 1.2%
-0.9% YoY
 Bottom 5.2% in tier
Loan To Share 98.8%
+7.1% YoY+4.1% QoQ
 +26.0% 72.7%
-1.5% YoY
 80.3%
+0.1% YoY
 68.0%
-1.7% YoY
 Top 3.6% in tier
AMR $28,133
+4.2% YoY+0.2% QoQ
 +$4K $24,363
+2.9% YoY
 $22,950
+4.4% YoY
 $19,418
+1.3% YoY
 Top 22.4% in tier
CD Concentration 14.6%
+1.8% YoY+2.2% QoQ
 -9.8% 24.4%
+4.2% YoY
 21.1%
+6.2% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 8.1%
-7.1% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#469 of 1006 • Top 17.0% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 4.17%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.8K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#564 of 1006 • Top 20.4% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 4.17%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (6)

Liquidity Strain

risk
#64 of 258 • Bottom 8.1% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 98.75%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 6.51%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
258 of 1077 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | Rank improving

Efficiency Drag

risk
#273 of 521 • Bottom 15.4% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 83.45%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.18% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): -1.30%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank improving

Deposit Outflow

decline
#96 of 114 • Bottom 16.2% in tier

Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.

Why This Signature
Deposit Growth (YoY): -0.59%
(Tier: 4.79%, National: 12.00%)
worse than tier avg
Total Assets: $321.01M
(Tier: $231.30M, National: $547.69M)
but better than tier avg
114 of 1077 Community CUs have this signature | 143 nationally
↓ Shrinking -169 CUs YoY | New qualifier

Stagnation Risk

risk
#272 of 550 • Bottom 16.5% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.71%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -1.30%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $28.1K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 14.59%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Membership Headwinds

decline
#424 of 550 • Bottom 25.7% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -1.30%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Liquidity Overhang

risk
#549 of 552 • Bottom 35.5% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 12.24%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 98.75%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank worsening

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 1077 peers in tier

Top Strengths (11 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
39
Loan-to-Share Ratio
balance_sheet
Value: 98.75%
Peer Avg: 72.70%
#39 of 1077 Top 3.5% in 100M-500M tier
57
Total Delinquency Rate (60+ days)
risk
Value: 0.10%
Peer Avg: 0.86%
#57 of 1077 Top 5.2% in 100M-500M tier
90
Fee Income Per Member
profitability
Value: $277.08
Peer Avg: $174.31
#90 of 1077 Top 8.3% in 100M-500M tier
116
Net Charge-Off Rate
risk
Value: 0.07%
Peer Avg: 0.47%
#116 of 1077 Top 10.7% in 100M-500M tier
118
Total Loans
balance_sheet
Value: $266.42M
Peer Avg: $147.80M
#118 of 1077 Top 10.9% in 100M-500M tier
144
Loan-to-Member Ratio (LMR)
engagement
Value: $13,978
Peer Avg: $10,245
#144 of 1077 Top 13.3% in 100M-500M tier
228
Share Certificate Concentration (%)
balance_sheet
Value: 14.59%
Peer Avg: 23.61%
#228 of 1077 Top 21.1% in 100M-500M tier
241
Average Member Relationship (AMR)
engagement
Value: $28,133
Peer Avg: $24,363
#241 of 1077 Top 22.3% in 100M-500M tier
253
Total Assets
balance_sheet
Value: $321.01M
Peer Avg: $231.30M
#253 of 1077 Top 23.4% in 100M-500M tier

Top Weaknesses (3 metrics)

1029
Members Per Employee (MPE)
engagement
Value: 202.766
Peer Avg: 332.881
#1029 of 1077 Bottom 4.5% in 100M-500M tier
949
First Mortgage Concentration (%)
balance_sheet
Value: 51.89%
Peer Avg: 30.43%
#949 of 1077 Bottom 12.0% in 100M-500M tier
918
Deposit Growth Rate
growth
Value: -0.59%
Peer Avg: 4.69%
#918 of 1077 Bottom 14.9% in 100M-500M tier