Ripple
Oshkosh, WI · Charter 66683 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$38.9MAssets
$30.1MLoans
$33.1MShares
$5.8MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 95% of credit unions under $1B in assets (rank 81 of 1683).
- Widest gap: nonperforming loans / loans trails 48% of credit unions under $1B in assets (rank 816 of 1682).
- Overall: at or above the peer median on 7 of 7 directional measures.
Return on Assets
1.98%
Rank 81 of 1,683
Net Interest Margin
4.33%
Rank 413 of 1,683
Efficiency Ratio
63.64%
Rank 259 of 1,682
Equity / Assets
14.84%
Rank 566 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.98% | 0.35% | 0.74% | 1.18% | Beats 95% | 81 / 1,683 | |
| Return on Equity | 13.31% | 2.67% | 5.89% | 8.74% | Beats 95% | 83 / 1,681 | |
| Net Interest Margin | 4.33% | 3.31% | 3.82% | 4.32% | Beats 75% | 413 / 1,683 | |
| Efficiency Ratio | 63.64% | 68.91% | 78.20% | 86.93% | Beats 85% | 259 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.62% | 0.26% | 0.65% | 1.29% | Beats 52% | 816 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.84% | 10.44% | 12.89% | 16.53% | Beats 66% | 566 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.84% | 10.44% | 12.89% | 16.53% | Beats 66% | 566 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 91.11% | 52.61% | 69.38% | 83.50% | 88th pctl | 198 / 1,683 | |
| Loans / Assets | 77.47% | 44.71% | 59.18% | 70.72% | 88th pctl | 207 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |