| Metric | Ripple Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.5% | +1.3% | +6.2 pts |
| Share growth (YoY) | +6.4% | +0.9% | +5.4 pts |
| Loan growth (YoY) | +4.9% | -2.6% | +7.5 pts |
| ROA | 1.98% | 0.65% | +1.3 pts |
| ROE | 13.3% | 4.4% | +8.9 pts |
ROA ranks in the 94th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $38.9M | $33.1M | $30.1M | $5.8M | $384K | 1.98% | 4.33% | 0.62% | 2,438 |
| Q1 2026 | $38.7M | $33.1M | $30.2M | $5.5M | $164K | 1.70% | 4.25% | 0.75% | 2,447 |
| Q4 2025 | $36.3M | $30.9M | $29.9M | $5.4M | $587K | 1.62% | 4.50% | 0.92% | 2,441 |
| Q3 2025 | $36.2M | $30.9M | $29.6M | $5.3M | $455K | 1.68% | 4.49% | 0.63% | 2,442 |
| Q2 2025 | $36.2M | $31.1M | $28.7M | $5.1M | $265K | 1.47% | 4.39% | 1.24% | 2,440 |
| Q1 2025 | $36.5M | $31.6M | $26.9M | $4.9M | $102K | 1.12% | 4.22% | 2.36% | 2,428 |
| Q4 2024 | $35.7M | $30.9M | $27.0M | $4.8M | $592K | 1.66% | 4.33% | 2.62% | 2,430 |
| Q3 2024 | $35.3M | $30.6M | $26.6M | $4.8M | $476K | 1.80% | 4.36% | 3.01% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Ripple Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.98% | 0.65% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 13.3% | 4.4% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.33% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,426 |
| Q2 2024 | $35.2M | $30.5M | $26.7M | $4.2M | $262K | 1.49% | 4.26% | 2.44% | 2,420 |
Loan mix (Q2 2026): real estate $19.5M · commercial $0 · consumer $8.5M · securities $633K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.7% | 80.6% | 16th |
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 | Ripple 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 | Ripple 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 | Ripple 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 | Ripple 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 | Ripple 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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Winnebago, WI, ranked 23rd with 0.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Winnebago, WI | 1 | $33.1M* | 0.52% | 23rd |
Wisconsin: 263rd with 0.01% · Oshkosh-Neenah metro: 23rd, 0.52% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1