Credit Union Safety Analysis
Is Ripco Credit Union Safe? Rhinelander, Wisconsin
Based on its Q2 2026 NCUA 5300 call report, Ripco Credit Union has a net worth ratio of 9.99%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.90%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Ripco Credit Union's net worth ratio is 9.99%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.99%
- Delinquency ratio (60+ days) (Q2 2026): 0.90%
- Return on assets (Q2 2026): 0.50%
- Loan-to-share ratio (Q2 2026): 75.68%
Ripco Credit Union (NCUA charter 67183, established 1932) reported $188.8M in assets and 12,970 members for Q2 2026 from Rhinelander, Wisconsin. It ranks 35 of 98 credit unions in Wisconsin by total assets. Total assets grew 3.6% from $182.2M on June 30, 2025. It has 187 more members than on June 30, 2025 (+1.5%). Its net worth ratio was up 0.31 percentage points from 9.68% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $50.8M of $127.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.90% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 9.86% for Q1 2026; 9.68% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.61% for Q1 2026; 0.58% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.41% for Q1 2026; -0.29% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 73.47% for Q1 2026; 78.70% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $50.8M
- Used vehicle loans: $40.4M
- Other secured non-real estate loans and lines of credit: $14.4M
- New vehicle loans: $9.7M
- Other unsecured loans and lines of credit: $7.2M
- Commercial loans: $3.0M
- Unsecured credit card loans: $2.2M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $188.8M | 9.99% | 0.90% | 0.50% | 75.68% |
| March 31, 2026 | $188.8M | 9.86% | 0.61% | 0.41% | 73.47% |
| December 31, 2025 | $184.4M | 9.99% | 0.99% | 1.06% | 76.80% |
| September 30, 2025 | $181.1M | 9.95% | 0.98% | 0.87% | 78.17% |
| June 30, 2025 | $182.2M | 9.68% | 0.58% | -0.29% | 78.70% |
| March 31, 2025 | $180.0M | 9.87% | 0.62% | -0.61% | 74.73% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Regulator records: NCUA credit union profile (charter 67183) · FFIEC NIC profile (RSSD 713896)
Frequently asked questions
Is Ripco Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Ripco Credit Union's net worth ratio is 9.99%, above the 7% NCUA threshold for well capitalized.
Is Ripco Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Ripco Credit Union is a federally insured credit union (NCUA charter 67183): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Ripco Credit Union's key safety ratios?
For Q2 2026, Ripco Credit Union reports net worth 9.99%, delinquency 0.90%, ROA 0.50%, loan-to-share 75.68%.
What happens to my money if Ripco Credit Union fails?
For Q2 2026, Ripco Credit Union held $168.6M in shares and deposits for 12,970 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.