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The Lender Report built this page from public records. Unitedone Credit Union has not reviewed it. Every lender's page starts this way, and it says nothing about Unitedone Credit Union itself. Each figure shows its source and date. Work at Unitedone Credit Union? You can claim this page for free.
Credit union, Manitowoc, WI
Unitedone Credit Union
A credit union based in Manitowoc, WI. Its commercial book is led by owner-occupied CRE and non-owner-occupied CRE. Public files show recent 1-4 unit investor, SBA 7(a), SBA 504 and real-estate-secured commercial loans it made.
- Kind
- Credit union
- Data as of
- June 30, 2026
- Page last changed
- November 11, 2026
- Commercial book
- $41.1M
- NCUA 5300,
- Holds, not loans made
- Commercial loans made, H1 2026
- 21
- NCUA 5300,
- Real-estate-secured
- SBA loans, 36 months
- 10
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $348M
- NCUA 5300,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- 920-684-0361 From the NCUA record, June 30, 2026.
- Website
- www.unitedone.orgFrom the NCUA record, November 9, 2026.
- Commercial lending page
- unitedone.orgFrom the lender's website, retrieved November 11, 2026.
- Names it files under
- UNITEDONE; Member Care Center; Retirement & Investment ServicesNCUA 5300,
- Address
- 1117 S 10th St, Manitowoc, WI 54220-5211NCUA 5300,
- Regulator record
- NCUA profile
You generally must be a member of a credit union to borrow from it. Field of membership: Non-Federal Credit Union. Designated low-income by NCUA.
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
What changed. Unitedone Credit Union's C&I balance rose 12.3% to $10M in the quarter ended June 30, 2026. NCUA 5300,
| When | What the record shows | Source |
|---|---|---|
| Jun 2025 to Jun 2026 | Owner-occupied CRE balance rose 36.2% to $14.3M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
| Jun 2025 to Jun 2026 | Commercial and industrial balance rose 43.3% to $10M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Jan 2026 | Wisconsin | SBA 7(a), Plumbing, Heating, and Air-Conditioning Contractors | $2.2M | 9.25% | 10 yr | SBA FOIA | |
| May 2025 | Wisconsin | SBA 504, Transportation and Warehousing | $750K | 25 yr | SBA FOIA | ||
| May 2025 | Wisconsin | SBA 7(a), Other Services to Buildings and Dwellings | $410K | 9.75% | 10 yr | SBA FOIA | |
| Mar 2025 | Wisconsin | SBA 7(a), Landscaping Services | $42K | 11.25% | 10 yr | SBA FOIA | |
| 2024 | Brown County, WI | Purchase, 5 to 24 units | $740K | 7.73% | 7 yr | 70% | HMDA 2024 |
| 2024 | Manitowoc County, WI | Purchase, 5 to 24 units | $240K | 7.41% | 7 yr | 74% | HMDA 2024 |
| Dec 2024 | Wisconsin | SBA 7(a), Limited-Service Restaurants | $48K | 11.5% | 10 yr | SBA FOIA | |
| Aug 2024 | Wisconsin | SBA 7(a), Mobile Food Services | $50K | 14.5% | 10 yr | SBA FOIA | |
| Jul 2024 | Wisconsin | SBA 7(a), Full-Service Restaurants | $410K | 11.25% | 25 yr | SBA FOIA | |
| Jun 2024 | Wisconsin | SBA 7(a), Electronics and Appliance Retailers | $65K | 10.75% | 5 yr | SBA FOIA | |
| Mar 2024 | Wisconsin | SBA 7(a), Poured Concrete Foundation and Structure Contractors | $210K | 11.25% | 10 yr | SBA FOIA | |
| Nov 2023 | Wisconsin | SBA 7(a), All Other Miscellaneous Fabricated Metal Product Manufacturing | $77K | 11.25% | 10 yr | SBA FOIA | |
| 9 SBA 7(a) loans since October 2023, net of cancelled | $3.52M | SBA FOIA | |||||
A blank means the source did not report it.
What it holds
NCUA 5300, June 30, 2026
| Book | Holds | Of its loans | Year over year | Loans | Average |
|---|---|---|---|---|---|
| Multifamily | $1.51M | 0.5% | Not reported | 3 | $503K |
| Construction and land development | $1.14M | 0.4% | -52.5% | 3 | $379K |
| Owner-occupied CRE | $14.3M | 5.0% | +36.2% | 82 | $174K |
| Non-owner-occupied CRE | $14.1M | 4.9% | -7.5% | 60 | $236K |
| Farmland | $0 | 0.0% | Not reported | 0 | Not reported |
| Commercial and industrial | $10.0M | 3.5% | +43.3% | 108 | $92.6K |
| Other real-estate-secured commercial | $0 | 0.0% | Not reported | Not reported | Not reported |
| Commercial total | $41.1M |
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $26.0M |
| Q4 2023 | $29.2M |
| Q1 2024 | $31.6M |
| Q2 2024 | $31.5M |
| Q3 2024 | $33.5M |
| Q4 2024 | $35.2M |
| Q1 2025 | $35.1M |
| Q2 2025 | $35.9M |
| Q3 2025 | $34.4M |
| Q4 2025 | $36.8M |
| Q1 2026 | $39.4M |
| Q2 2026 | $41.1M |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| Multifamily, 5 or more units | 2024 | 2 | $970K | $480K | HMDA, | |
| 1-4 unit investor or business purpose | 2025 | 74 | $11.2M | $105K | HMDA, | |
| SBA 7(a), net of cancelled | 36 months to Sep 2026 | 9 | $3.52M | $76.7K | $2.2M | SBA FOIA, |
| SBA 7(a), net of cancelled | 12 months to Sep 2026 | 1 | $2.2M | SBA FOIA, | ||
| SBA 504 first lien, net of cancelled | 36 months to Sep 2026 | 1 | $750K | $750K | $750K | SBA FOIA, |
| Real-estate-secured commercial | First half of 2026 | 21 | $8.01M | NCUA 5300, | ||
| Multifamily | First half of 2026 | 1 | $1M | NCUA 5300, | ||
| Construction | First half of 2026 | 2 | $1.12M | NCUA 5300, | ||
| Owner-occupied CRE | First half of 2026 | 10 | $2.50M | NCUA 5300, | ||
| Non-owner-occupied CRE | First half of 2026 | 8 | $3.39M | NCUA 5300, | ||
| C&I | First half of 2026 | 24 | $4.74M | NCUA 5300, |
How these public files were tied to this lender. HMDA: its legal entity identifier (LEI). SBA 7(a) loans: its NCUA charter number. SBA 504 first liens: its name and state.
| Book | Average loan |
|---|---|
| Construction and land development | $379K |
| Multifamily | $503K |
| Owner-occupied CRE | $174K |
| Non-owner-occupied CRE | $236K |
| Commercial and industrial | $92.6K |
Programs on record: Federal Home Loan Bank member, Chicago district (FHFA).
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| Wisconsin HQ | 7 | 0 | 74 | 9 | 1 |
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Business loan cap | $42.7M | $35.0M to $55.1M across 8 peers | Estimate: the lesser of 1.75 times net worth or 12.25% of assets. Low-income designated credit unions and some others are exempt. Not a statement from the credit union. | NCUA 5300, 12 CFR 723.8, Jun 30, 2026 |
| Business loans outstanding | $43.6M | $118K to $34.5M across 8 peers | Net member business loans, as reported on Form 5300. | NCUA 5300, |
| Cap used | 102.3% | 0.3% to 70.8% across 8 peers | Business loans outstanding over the estimated cap. This credit union is designated low-income by NCUA and is exempt from the cap. | NCUA 5300, |
| Largest single borrower | $6.18M | $4.39M to $7.91M across 8 peers | Estimate: the greater of 15% of net worth or $100,000. Not a limit the credit union has stated. | NCUA 5300, 12 CFR 723.4, Jun 30, 2026 |
| CRE to net worth | 40.8% | 0.2% to 49.9% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by net worth. Our own ratio, not a regulatory test or limit. | NCUA 5300, |
| Loans to assets | 83.0% | 51.0% to 91.1% across 8 peers | Total loans divided by total assets. | NCUA 5300, |
Estimates use the formulas in 12 CFR 723. Low-income designated credit unions and some others are exempt from the cap.
Loan channel and SBA processing
Public record only
- Approval to first disbursement
- 17 days, median of 9
SBA FOIA, SBA 7(a) loans, 36 months. Counted from SBA approval, not application. Lines of credit disburse fast.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| Glacier Hills Credit Union | WI | $286M | $4.47M |
| 1st Community Credit Union | WI | $288M | $13.2M |
| Park City Credit Union | WI | $397M | $31.1M |
| Valley Communities Credit Union | WI | $307M | $1.62M |
| Fort Community Credit Union | WI | $450M | $23.5M |
| First Community CU of Beloit | WI | $410M | $12.1M |
| Guardian Credit Union | WI | $294M | $199K |
| Unison Credit Union | WI | $394M | $27.3M |
What we don't know
- Whether it is taking new loans today, or on what terms.
- Who can join. A credit union lends only to its members, and field of membership decides who qualifies.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
- Credit union concentration ratios here are our own calculation against net worth. They are not a regulatory test or limit. Originations are Jan-Jun 2026 year to date.
Check this page
Against the regulator's own record
- Name and charter. Unitedone Credit Union, NCUA charter 67248. Compare it with the regulator's record. [NCUA profile]
- Balances. $348M in total assets and $41.1M in commercial loans held, from the NCUA 5300 for June 30, 2026. [Source]
- Loans made. 21 real-estate-secured commercial loans made in the first half of 2026, from your NCUA Form 5300, and 86 loans in HMDA and SBA files, through September 30, 2026: 2 HMDA multifamily 2024, 74 HMDA 1-4 unit investor 2025, 9 SBA 7(a) in 36 months, 1 SBA 504 first lien in 36 months. [How each file was tied to Unitedone Credit Union]
- Phone and website. Phone 920-684-0361, from the NCUA record. Website unitedone.org, from the NCUA record. [How to reach them]
Something wrong? Report it with evidence. It is free, and it works the same for every lender whether it pays or not. Report an error
For the record
Data as of June 30, 2026. Page last changed November 11, 2026.
- Regulator
- NCUA and state regulator
- NCUA charter
- 67248
- RSSD
- 947990
- LEI
- 5493009ULL1JFIC1C287
- The Lender Report ID
- lr_003260
- Main office county
- Manitowoc
- Members
- 18,997
- NCUA region
- 3 - Western
NCUA credit union details,
- Reported $348.3M in total assets as of June 30, 2026 (NCUA 5300).
- Held $41.1M of commercial and commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $14.3M of owner-occupied commercial real estate loans as of June 30, 2026, up 36.2% from a year earlier (NCUA 5300).
- Held $14.1M of non-owner-occupied commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $10M of commercial and industrial loans as of June 30, 2026, up 43.3% from a year earlier (NCUA 5300).
- Originated 2 multifamily loans totaling $970K in 2024 (HMDA).
5 more sentences
- Originated 74 1-4 unit investor or business-purpose loans totaling $11.2M in 2025 (HMDA).
- Recorded 9 SBA 7(a) approvals totaling $3.5M from October 1, 2023 to September 30, 2026 (SBA).
- Provided the first lien on 1 SBA 504 project with $750K in first-lien dollars from October 1, 2023 to September 30, 2026 (SBA).
- Originated 21 real-estate-secured commercial loans totaling $8M in the first half of 2026 (NCUA 5300).
- Listed 7 offices in 1 state (NCUA).
Cite this
Source: The Lender Report, Unitedone Credit Union, https://lender.report/lender/unitedone-credit-union-wi/, data as of June 30, 2026.
Sources
- NCUA 5300, June 30, 2026
- NCUA 5300, June 30, 2025
- HMDA, 2025
- SBA FOIA, September 30, 2026
- NCUA 5300, June 30, 2026
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.
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Work at Unitedone Credit Union? Claim this page, free.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem