2025 Annual Report
This year, we found new ways to put more money in members' pockets, more support in our communities, and more simplicity into everyday banking.
Here's a look at how being part of UW Credit Union continued to pay off — in more ways than one.
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members who say we meet or exceed expectations
Our newest debit card features photography of the Hoan Bridge, captured by Milwaukee-area member Nate Vomhof.
Our Members
Meet the Member Behind Our New Debit Card
What started with student loans became a lifelong relationship. Nate Vomhof joined UW Credit Union as a UW-Milwaukee student. He continued to use our digital banking services when various rotations during pharmacy school took him to different parts of the country.
Now he’s settled back in Milwaukee as a pharmacist with a photography side hustle, and he’s excited to have his photo featured on our latest debit card design.
“I was always able to accomplish everything I needed in the digital space.” ~Nate Vomhof
We’ve got your back.
Our commitment to you means showing up with real solutions during life’s toughest moments, from emergencies to everyday worries.
- Overspent by accident? With Balance Backup*, it will never cost you more than $5** to avoid a declined payment or transaction.
- With Early Payday, 150,000 members access their direct deposits up to 2 days early.
- We approved 321 limited-term loans ($1.2 million) to help Milwaukee residents rebound from devastating floods in August.
- We funded 51 limited-term loans ($201,250) to help members impacted by the 2025 Government Shutdown.
- Through communication, vigilance and collaboration, we prevented more than $1 million in losses to fraud attempts.
Introducing Rewards Checking with Early Payday
We reward you for doing your everyday banking with UW Credit Union.
- No monthly fees or minimum balance
- Access your direct deposits up to 2 days early1
- Cash Back Bonus2 with Rewards Checking on all credit cards
- Secure banking from anywhere life takes you
- Free credit score and report
- Local discounts
- Artist-designed debit cards
Teamwork
From practice to payday, student athletes bank on us.
“I joined UWCU because I loved the ability to connect with a business trusted by the university I attend.”
– Danni Langseth, UW Track & Field
“When I got to college I wanted my first bank account to be somewhere with branches close to campus and an easy-to-use online banking app, and UWCU offered just that!”
– Darryl Peterson, UW Football
“Setting aside money for future plans is important and I like how easy it is to transfer between savings and checking accounts on the app to organize my money.”
– Johnny Livingstone, UW Track & Field
“I wanted to be able to easily manage my money on my own at college.”
– Sloane Rosen, UW Dance Team
UW Credit Union presented Junior Achievement of Wisconsin with a $12,000 donation as part of the “Here for a Cause” program celebrating Milwaukee Brewers™ wins.
Our Communities
Partnering for the things that make a community whole — housing and opportunity.
With $404,889 in total pledges and 59% employee participation, our 2025 Community Giving Campaign was our most successful yet.
Working for You
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People helping people is the core of the credit union mission. We were honored to receive the following awards in recognition of our service through partnerships and community involvement:
2025 University Partner Award
2025 Green Masters Program
2025 Company Volunteer Group of the Year
2025 Financials
We continue to welcome new members organically, surpassing 386,000 total members in 2025 and delivering strong financial results that benefit everyone we serve. This steady growth reflects ongoing confidence in our cooperative model and values-driven approach.
With $6.3 billion in assets and net income of $57.1 million, we demonstrate our standing as a strong financial institution.
Additionally, we hold $581.4 million in regulatory capital, more than 30% above the amount required for the top “well-capitalized” regulatory standard of financial strength. These results provide the financial resources needed to continue serving the diverse needs of our growing membership.
Through a $4.54 billion loan portfolio, we supported members during important financial milestones, including purchasing new homes, improving existing homes, financing reliable vehicles and investing in education. We also provided $158.1 million in loans to members who purchase and manage rental properties, helping expand access to local housing.
Our 20,716 new members in 2025 reflect an annualized growth of 5.66%. Members opened a record number of new checking accounts (now totaling 297,469 accounts), meaning more members are building strong financial futures with our new Rewards Checking product.
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Dear Fellow Members:
In 2025, we made banking simpler, fairer and more rewarding — because that’s what everyone deserves.
At the heart of it all is our streamlined Rewards Checking account, with ...
- No monthly fees or minimum balances.
- Cash back bonuses on all credit cards – up to 2%.
- Early access to your direct deposit paycheck.
Simply put, you’re automatically rewarded for your everyday banking. No complicated requirements. No hidden limitations. Just plain honest value.
These changes reflect our core belief that banking should work for everyone, no matter where you are in life.
For some members, this past year brought real challenges — from sudden, severe flooding in Milwaukee to the financial strain caused by the government shutdown. In both situations, we stepped in with special low-interest loans to help those hit the hardest. Because being there for you during life’s toughest moments matters just as much as the products and services we offer.
We work hard to maintain your trust and never take it for granted. That’s why we were especially pleased to achieve exceptional ratings for both member satisfaction and your willingness to recommend us. Thank you for your loyalty and partnership. We’re excited for what’s next.
At UW Credit Union, membership truly has its rewards — today and for years to come.
Sincerely,
Paul Kundert
President and CEO
[email protected]
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