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Credit union call report ยท Ripon, WI

Golden Rule Community Credit Union Call Report

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Golden Rule Community Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 252 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

Golden Rule Community Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number67096
Federal Reserve RSSD ID151292

The official copy: search charter number 67096 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

Golden Rule Community Credit Union call report, Q2 2026

Statement of Financial Condition (32 items)
Golden Rule Community Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $450K
1b. Cash Items in Process of Collection AS0005 $55K
1c. Total Cash on Hand 730A $505K
2a. Cash on Deposit in Corporate Credit Unions 730B1 $4.1M
2c. Cash on Deposit in Other Financial Institutions 730B2 $268K
2. Cash on Deposit (total) 730B $4.3M
3. Time Deposits in Banks and Credit Unions AS0007 $24.5M
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $29.3M
12a. Nonperpetual Capital Account 769A $63K
12b. Perpetual Contributed Capital 769B $124K
12c. All Other Investments AS0016 $29K
13. TOTAL OTHER INVESTMENTS AS0017 $216K
15a. Number of Total Loans and Leases 025A 1,569
15b. Total Loans and Leases 025B $11.9M
17. ACL on Loans and Leases AS0048 $233K
19. Land and Building 007 $549K
20. Other Fixed Assets 008 $58K
21. NCUA Share Insurance Capitalization Deposit 794 $357K
22d. Accrued Interest on Loans 009A $31K
22e. Accrued Interest on Investments 009B $153K
22f. All Other Assets 009C $162K
22g. Total Other Assets AS0036 $346K
23. TOTAL ASSETS 010 $42.6M
Accounts Payable and Other Liabilities 825 $363K
Accrued Dividends and Interest Payable 820A $4K
Borrowings (total) 860C $231K
Member Shares of All Types 013 $36.9M
Total Shares and Deposits 018 $36.9M
Undivided Earnings 940 $5.1M
Total Net Worth 997 $5.1M
Net Worth Ratio 998 12.00%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $42.6M
Statement of Income and Expense (23 items)
Golden Rule Community Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $391K
3. Income from Investments 120 $565K
5. TOTAL INTEREST INCOME 115 $957K
6. Dividends on Shares 380 $72K
8. Interest on Borrowed Money 340 $39
9. TOTAL INTEREST EXPENSE 350 $72K
10. NET INTEREST INCOME IS0010 $885K
12a. Credit Loss Expense - Loans and Leases IS0011 -$49K
12e. Total Credit Loss Expense IS0017 -$49K
13. Fee Income 131 $50K
14. Other Operating Income IS0020 $26K
23. TOTAL NON-INTEREST INCOME 117 $77K
24. Employee Compensation and Benefits 210 $431K
25. Travel and Conference 230 $16K
26. Office Occupancy 250 $37K
27. Office Operations 260 $178K
28. Educational and Promotional 270 $20K
29. Loan Servicing 280 $63K
30. Professional and Outside Services 290 $66K
32. Operating Fees 320 $25K
33. Miscellaneous Operating Expense 360 $11K
34. TOTAL NON-INTEREST EXPENSE 671 $848K
35. NET INCOME 661A $163K
Statement pages - all other filed accounts (23 items)

delinquency (21%), credit cards (21%)

Golden Rule Community Credit Union, Statement pages - all other filed accounts, Q2 2026
Line item Account Q2 2026
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 1 month to less than 2 months delinquent 020B $90K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 2 to less than 6 months delinquent 021B $26K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 12 months and over delinquent 023B $19K
Amount of Delinquent Unsecured Credit Card Loans as of - 1 month to less than 2 months delinquent. 024B $7K
Loans Granted Year-to-Date 031A $178
Amount of Loans Granted Year-to-Date 031B $2.1M
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $125K
Number of current members (not number of accounts) 083 2,936
Number of potential members 084 25,000
Interest Rate of Unsecured Credit Card Loans 521 1,099.00%
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 1,120.00%
Interest Rate of New Vehicle Loans 523 655.00%
Interest Rate of Used Vehicle Loans 524 765.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $15K
Total Amount of All Year-to-Date Recoveries on Charged-Off Loans 551 $20K
Total Amount of All Other Shares 630 $71K
Amount of Regular Shares 657 $21.1M
Amount of Share Drafts 902 $10.5M
IRA/KEOGH Accounts - < 1 Year 906A $256K
Share Certificates - < 1 Year 908A $1.1M
Total Amount of Share Certificates 908C $2.3M
Total Amount of Money Market Shares 911 $2.6M
Number of Used Vehicle Loans 968 346
NCUA data file FS220A (24 items)

loans and leases (25%), income and expense (25%), shares and deposits (19%)

Golden Rule Community Credit Union, NCUA data file FS220A, Q2 2026
Line item Account Q2 2026
Total Shares - < 1 Year 013A $35.6M
Total Shares - 1-3 Years 013B1 $1.2M
Total Shares - > 3 Years 013B2 $20K
Total Shares and Deposits - < 1 Year 018A $35.6M
Total Shares and Deposits - 1-3 Years 018B1 $1.2M
Total Shares and Deposits - > 3 Years 018B2 $20K
Number of Total Delinquent Loans & Leases (Two or more months) 041A 20
Effective date of last audit 063 $62K
Amount of Used Vehicle Loans 370 $3.8M
Amount of New Vehicle Loans 385 $437K
Amount of Unsecured Credit Card Loans 396 $323K
Amount of All Other Unsecured Loans/Lines of Credit 397 $185K
Share Certificates 451 $125
Number of Accounts for Share Drafts 452 2,163
IRA/KEOGH Accounts 453 $44
Number of Accounts for Regular Shares 454 3,306
All other shares 455 $23
Money Market Shares 458 $65
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 5,726
Number of credit union employees who are Full-Time (26 hours or more) 564A 8
Number of credit union employees who are Part-Time (25 hours or less per week) 564B 12
Total credit lines 881 $3.5M
Draws against lines of credit, less than 1 year 883A $231K
Draws against lines of credit, total amount 883C $231K
NCUA data file FS220B (25 items)

maturity and repricing buckets (40%), credit cards (17%)

Golden Rule Community Credit Union, NCUA data file FS220B, Q2 2026
Line item Account Q2 2026
Amount of Delinquent Unsecured Credit Card Loans as of - 2 to less than 6 months delinquent 026B $2K
Number - Total Delinquent Credit Card Loans 045A 5
Total Amount of Delinquent Unsecured Credit Card Loans 045B $7K
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E) 065A4 $257K
Total Uninsured Shares and Deposits > $250K (F+J) 068A $257K
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $36.6M
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $32K
All other shares - < 1 Year 630A $71K
Amount of Regular Shares - < 1 Year 657A $21.1M
Total Amount of Year-to-Date Recoveries on Unsecured Credit Card Loans Charged Off 681 $14
Total Borrowings - < 1 Year 860A $231K
Is your credit union a member of a Federal Home Loan Bank? 896 $1
Amount of Share Drafts - < 1 Year 902A $10.5M
IRA/KEOGH Accounts - 1-3 Years 906B1 $66K
Total Amount of IRA/KEOGH Accounts 906C $322K
Share Certificates - 1-3 Years 908B1 $1.2M
Share Certificates - > 3 Years 908B2 $20K
Money Market Shares - < 1 Year 911A $2.6M
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $25K
Number of New Vehicle Loans 958 21
Total Shares 966 $6K
Total of outstanding loan balances subject to bankruptcies identified in items 23a-c. 971 $641
Number of Unsecured Credit Card Loans 993 821
Number of All Other Unsecured Loans/Lines of Credit 994 125
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 5
NCUA data file FS220C (3 items)

charge-offs and recoveries (27%), participation loans (18%)

Golden Rule Community Credit Union, NCUA data file FS220C, Q2 2026
Line item Account Q2 2026
Indicate in the box at the right the number of the description below that best characterizes the last audit performed of your credit union's records 064 $5
Number of credit union branches (include the main office if member services are conducted at that location) 566 1
Outstanding balance of brokered certificates of deposit and share certificates 788 $20.7M
NCUA data file FS220D (17 items)

member services and products offered (69%), CUSO relationships (27%)

Golden Rule Community Credit Union, NCUA data file FS220D, Q2 2026
Line item Account Q2 2026
No Cost Share Drafts 879A4 $1
Share Certificates with Low Minimum Balance Requirements 879A5 $1
Financial Counseling 879B1 $1
Bilingual Services 879C1 $1
No Cost Bill Payer 879C2 $1
Student Scholarships 879C4 $1
Brokered Certificates of Deposits 879N $1
Low-cost wire transfers 879W $1
Loan Application 887B $1
Loan Payments 887F $1
Bill Payment 887J $1
e-Statements 887R $1
Informational Website PI0007 $1
Mobile Application PI0008 $1
Online Banking PI0009 $1
Person-to-Person PI0011 $1
Does the CU offer an ATM Network that is surcharge free? PP0034 $1
NCUA data file FS220G (4 items)

loans and leases (32%), participation loans (18%)

Golden Rule Community Credit Union, NCUA data file FS220G, Q2 2026
Line item Account Q2 2026
Total Value of Investments in CUSOs 851 $4K
Total Aggregate Cash Outlay in CUSOs 853 $4K
Total Credit Lines at Corporate Credit Unions 884 $3.5M
Line of Credit Borrowings Outstanding from Corporate Credit Unions 885A $231K
NCUA data file FS220H (1 item)

student loans (43%), delinquency (27%)

Golden Rule Community Credit Union, NCUA data file FS220H, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for all loan types 816A $2.5M
NCUA data file FS220I (10 items)

vehicle lending (59%), delinquency (44%)

Golden Rule Community Credit Union, NCUA data file FS220I, Q2 2026
Line item Account Q2 2026
Amount of Used Vehicle Loans Delinquent 30 to 59 days 020C2 $26K
Amount of Used Vehicle Loans Delinquent 60 to 179 days 021C2 $25K
Amount of Used Vehicle Loans Delinquent >=360 days 023C2 $1K
Number of Reportable Delinquent Used Vehicle Loans 035E2 13
Amount of Reportable Delinquent Used Vehicle Loans 041C2 $78K
Amount of Used Vehicle Loans YTD Charge Offs 550C2 $8K
Amount of Used Vehicle Loans YTD Recoveries 551C2 $20K
Commercial Share Accounts 643 $1.7M
Negative Shares as Included in All Other Unsecured Loans/Lines of Credit 644 $4K
Total Draws Againts LOCs 885A4 $231K
NCUA data file FS220L (8 items)

commercial and business lending (90%), participation loans (36%), real estate lending (18%)

Golden Rule Community Credit Union, NCUA data file FS220L, Q2 2026
Line item Account Q2 2026
Total Number of Loans & Leases on Loan Schedule 025A1 $2K
Total Amount of Loans & Leases on Loan Schedule 025B1 $11.9M
Amount of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 386A $1.1M
Interest Rate of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 562A 905.00%
Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 563A 905.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 977.00%
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $1.4M
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $4.8M
NCUA data file FS220M (8 items)

commercial and business lending (89%), real estate lending (26%), participation loans (23%)

Golden Rule Community Credit Union, NCUA data file FS220M, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for Revolving Open-End lines secured by 1-4 Family Residential Properties (Non-Commercial) 811D $311K
Total Unfunded Commitments for Credit Card Lines (Non-Commercial) 812C $1.5M
Total Unfunded Commitments for Unsecured Share Draft Lines of Credit (Non-Commercial) 815C $359K
Total Unfunded Commitments for Non-Commercial Loans 816T $2.5M
Total Unfunded Commitments for Overdraft Protection Program Commitments (Non-Commercial) 822C $318K
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 84
Number of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 960A 37
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 135
NCUA data file FS220N (3 items)

investment portfolio detail (53%), maturity and repricing buckets (31%), CECL allowances (30%)

Golden Rule Community Credit Union, NCUA data file FS220N, Q2 2026
Line item Account Q2 2026
Total Liabilities LI0069 $37.5M
(CECL) One-time Adjustment to Undivided Earnings for those credit unions that have adopted ASC topic 326 - Financial Instruments - Credit Losses NW0002 $58K
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $42.6M
NCUA data file FS220P (14 items)

commercial and business lending (52%), delinquency (49%), real estate lending (23%)

Golden Rule Community Credit Union, NCUA data file FS220P, Q2 2026
Line item Account Q2 2026
Loan Loss Information - YTD Charge Offs - All Other Secured Non-Real Estate Loans/Lines of Credit CH0015 $7K
Unsecured Credit Card Loans DL0002 $6K
All Other Unsecured Loans/Lines of Credit DL0022 $979
All Other Unsecured Loans/Lines of Credit DL0023 $810
All Other Unsecured Loans/Lines of Credit DL0027 $810
All Other Unsecured Loans/Lines of Credit - Total Number of Reportable Delinquent Loans DL0028 $1
Used Vehicle Loans DL0037 $51K
Delinquent Loans by Collateral Type - 30 - 59 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0057 $56K
Delinquent Loans by Collateral Type - 60 - 89 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0058 $21K
Delinquent Loans by Collateral Type - >=360 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0061 $18K
Delinquent Loans by Collateral Type - Total Amount of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0062 $39K
Delinquent Loans by Collateral Type - Total Number of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0063 $1
Delinquent Loans by Collateral Type - 60-89 days - Total Delinquent Loans and Leases DL0141 $79K
Amount of Consumer Loans in Non-Accrual Status DL0145 $125K
NCUA data file FS220Q (19 items)

investment portfolio detail (69%)

Golden Rule Community Credit Union, NCUA data file FS220Q, Q2 2026
Line item Account Q2 2026
Total Borrowings LQ0860 $231K
Investment Maturity Distribution - Time Deposits - <=1 Year NV0111 $10.2M
Investment Maturity Distribution - Time Deposits - >1-3 Years NV0112 $14.2M
Investment Maturity Distribution - Time Deposits - Total NV0116 $24.5M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - <=1 Year NV0141 $29K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >5-10 Years NV0144 $63K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >10 Years NV0145 $124K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $216K
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $10.3M
Investment Maturity Distribution - Total Investment Securities - >1-3 Years NV0154 $14.2M
Investment Maturity Distribution - Total Investment Securities - >5 - 10 Years NV0156 $63K
Investment Maturity Distribution - Total Investment Securities - > 10 Years NV0157 $124K
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $24.7M
RBC Total Equity RB0001 $5.1M
RBC Allowance for Credit Losses RB0002 $233K
RBC Total Additions RB0005 $233K
RBC Total Deductions RB0009 $357K
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $5.0M
RBC Risk-Based Capital Numerator RB0012 $5.0M
NCUA data file FS220R (38 items)

risk-based capital and leverage ratio (68%), real estate lending (28%)

Golden Rule Community Credit Union, NCUA data file FS220R, Q2 2026
Line item Account Q2 2026
RBC Schedule Total Investments RB0039 $216K
RBC Schedule Total Consumer Loans RB0060 $6.1M
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $233K
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $233K
RBC Schedule Total Loans RB0079 $11.7M
RBC Total for Risk Weighting Total Loans RB0081 -$233K
RBC Total Loans 0% Weight RB0082 -$233K
RBC Schedule Total Other Assets RB0088 $1.3M
RBC Total for Risk Weighting Other Assets RB0090 $357K
RBC Other Assets 0% Weight RB0091 $357K
RBC Total from Schedule On-Balance Sheet Assets RB0099 $42.6M
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 $124K
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 $124K
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $42.6M
RBC Allowance for Credit Losses (Loans) RB0177 $233K
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate 15 Years or Less RL0004 59.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate 15 Years or Less RL0005 3,399,911.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate 15 Years or Less RL0006 417,763.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Balloon/Hybrid >5 Years RL0007 $12
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Balloon/Hybrid >5 Years RL0008 $1.0M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Balloon/Hybrid 5 Years or Less RL0010 $1
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Balloon/Hybrid 5 Years or Less RL0011 $18K
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Adjustable Rate RL0013 12.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Adjustable Rate RL0014 350,406.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $4.8M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Total RL0017 $418K
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Closed-end - Fixed Rate RL0018 24.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Closed-end - Fixed Rate RL0019 621,483.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Closed-end - Fixed Rate RL0020 88,000.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Open-end - Adjustable Rate RL0027 13.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Open-end - Adjustable Rate RL0028 470,429.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Total RL0030 $1.1M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Total RL0031 $88K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $121
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding RL0047 $5.9M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount Granted YTD RL0048 $506K
Total Shares SH0013 $36.9M
Total Shares and Deposits SH0018 $36.9M

Golden Rule Community Credit Union call reports on file

  • Q2 2026 call report (quarter ended June 30, 2026)
  • Q1 2026 call report (quarter ended March 31, 2026)
  • Q4 2025 call report (quarter ended December 31, 2025)
  • Q3 2025 call report (quarter ended September 30, 2025)
  • Q2 2025 call report (quarter ended June 30, 2025)
  • Q1 2025 call report (quarter ended March 31, 2025)

Where can I find the Golden Rule Community Credit Union call report?

The Golden Rule Community Credit Union call report for the quarter ended June 30, 2026 is on this page, line by line in the order of the NCUA 5300. NCUA publishes every federally insured credit union's call report in its quarterly call report data and in its Research a Credit Union tool. Call reports are public: anyone can read them without an account.

What call report does Golden Rule Community Credit Union file?

Golden Rule Community Credit Union files the NCUA Form 5300, the call report every federally insured credit union files with the National Credit Union Administration. Its figures are in whole dollars, not thousands.

What is the Golden Rule Community Credit Union call report number?

A call report has no number of its own. It is filed and looked up by the credit union's NCUA charter number, which for Golden Rule Community Credit Union is 67096.

How often does Golden Rule Community Credit Union file a call report?

Every quarter, as of March 31, June 30, September 30 and December 31.

Golden Rule Community Credit Union financials and ratios →

New to the 5300? What the NCUA 5300 call report is.