Ripple

Oshkosh, WI · 2 · Charter #66683 · www.ripplecu.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$36.3M
85th percentile
Members
2,441
76th percentile
Total loans
$29.9M
98th percentile
Total shares
$30.6M
85th percentile

Profitability

Return on assets
1.82%
87th percentile
Net interest margin
4.50%
69th percentile
Efficiency ratio
53.29%
78th percentile
Non-interest income ratio
12.69%
62th percentile

Capital & Risk

Net worth ratio
14.84%
50th percentile
Delinquency rate
0.92%
44th percentile
Net charge-off rate
0.39%
38th percentile
Loan-to-share
97.64%
92th percentile

Growth

Member growth YoY
0.45%
72th percentile
Asset growth YoY
1.53%
53th percentile
Loan growth YoY
10.57%
90th percentile
Share growth YoY
-0.06%
46th percentile

Operations

Members / branch
2,441
86th percentile
Assets / member
$14,861
85th percentile
Field of membership penetration
61.02%
78th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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