Golden Rule Community
Ripon, WI · Charter 67096 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$42.6MAssets
$11.9MLoans
$36.9MShares
$5.1MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 67% of credit unions under $1B in assets (rank 548 of 1683).
- Widest gap: efficiency ratio trails 78% of credit unions under $1B in assets (rank 1310 of 1682).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.77%
Rank 813 of 1,683
Net Interest Margin
4.16%
Rank 548 of 1,683
Efficiency Ratio
88.15%
Rank 1,310 of 1,682
Equity / Assets
12.00%
Rank 998 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.77% | 0.35% | 0.74% | 1.18% | Beats 52% | 813 / 1,683 | |
| Return on Equity | 6.38% | 2.67% | 5.89% | 8.74% | Beats 55% | 759 / 1,681 | |
| Net Interest Margin | 4.16% | 3.31% | 3.82% | 4.32% | Beats 67% | 548 / 1,683 | |
| Efficiency Ratio | 88.15% | 68.91% | 78.20% | 86.93% | Beats 22% | 1,310 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.05% | 0.26% | 0.65% | 1.29% | Beats 31% | 1,154 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.00% | 10.44% | 12.89% | 16.53% | Beats 41% | 998 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.00% | 10.44% | 12.89% | 16.53% | Beats 41% | 998 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 32.38% | 52.61% | 69.38% | 83.50% | 6th pctl | 1,579 / 1,683 | |
| Loans / Assets | 28.04% | 44.71% | 59.18% | 70.72% | 7th pctl | 1,573 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |