| Metric | Ripco Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.6% | +4.1% | -0.5 pts |
| Share growth (YoY) | +3.4% | +3.5% | -0.1 pts |
| Loan growth (YoY) | -0.5% | +2.9% | -3.4 pts |
| ROA | 0.45% | 0.74% | -0.3 pts |
| ROE | 4.5% | 6.5% | -1.9 pts |
ROA ranks in the 27th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $188.8M | $168.6M | $127.6M | $18.9M | $428K | 0.45% | 4.88% | 0.90% | 12,970 |
| Q1 2026 | $188.8M | $168.4M | $123.7M | $18.6M | $191K | 0.41% | 4.80% | 0.61% | 12,977 |
| Q4 2025 | $184.4M | $164.8M | $126.5M | $18.4M | $474K | 0.26% | 4.86% | 0.99% | 12,674 |
| Q3 2025 | $181.1M | $161.9M | $126.6M | $18.0M | $-16K | -0.01% | 4.86% | 0.98% | 12,757 |
| Q2 2025 | $182.2M | $163.0M | $128.3M | $17.6M | $-409K | -0.45% | 4.71% | 0.58% | 12,783 |
| Q1 2025 | $180.0M | $161.1M | $120.4M | $17.8M | $-274K | -0.61% | 4.55% | 0.62% | 12,685 |
| Q4 2024 | $176.9M | $158.8M | $117.3M | $18.0M | $303K | 0.17% | 4.40% | 0.65% | 12,868 |
| Q3 2024 | $177.6M | $159.0M | $112.8M | $18.1M | $237K | 0.18% | 4.29% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Ripco Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.45% | 0.74% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 4.5% | 6.5% | 32nd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.88% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.67% |
| 12,796 |
| Q2 2024 | $177.3M | $159.6M | $112.0M | $18.1M | $213K | 0.24% | 4.20% | 0.54% | 12,780 |
Loan mix (Q2 2026): real estate $50.8M · commercial $3.0M · consumer $59.5M · securities $28.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.1% | 77.5% | 73rd |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Ripco Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Ripco Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Ripco Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Ripco Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Ripco Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
4 branches in 2 counties across 1 state (+0 vs 2025). Biggest market: Oneida, WI, ranked 7th with 8.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Oneida, WI | 3 | $126.4M* | 8.13% | 7th |
| Vilas, WI | 1 | $42.1M* | 4.60% | 8th |
Wisconsin: 172nd with 0.06% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 4 · 2025 4 · 2026 4