Ripco
Rhinelander, WI · Charter 67183 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
$188.8MAssets
$127.6MLoans
$168.6MShares
$18.9MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 90% of credit unions under $1B in assets (rank 176 of 1683).
- Widest gap: equity / assets trails 80% of credit unions under $1B in assets (rank 1347 of 1683).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.45%
Rank 1,181 of 1,683
Net Interest Margin
4.88%
Rank 176 of 1,683
Efficiency Ratio
84.14%
Rank 1,147 of 1,682
Equity / Assets
9.99%
Rank 1,347 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.45% | 0.35% | 0.74% | 1.18% | Beats 30% | 1,181 / 1,683 | |
| Return on Equity | 4.54% | 2.67% | 5.89% | 8.74% | Beats 40% | 1,007 / 1,681 | |
| Net Interest Margin | 4.88% | 3.31% | 3.82% | 4.32% | Beats 90% | 176 / 1,683 | |
| Efficiency Ratio | 84.14% | 68.91% | 78.20% | 86.93% | Beats 32% | 1,147 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.90% | 0.26% | 0.65% | 1.29% | Beats 38% | 1,047 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.99% | 10.44% | 12.89% | 16.53% | Beats 20% | 1,347 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.99% | 10.44% | 12.89% | 16.53% | Beats 20% | 1,347 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 75.68% | 52.61% | 69.38% | 83.50% | 61st pctl | 655 / 1,683 | |
| Loans / Assets | 67.59% | 44.71% | 59.18% | 70.72% | 68th pctl | 537 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |