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Credit union call report ยท Oshkosh, WI

Ripple Credit Union Call Report

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Ripple Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 241 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

Ripple Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number66683
Federal Reserve RSSD ID605692

The official copy: search charter number 66683 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

Ripple Credit Union call report, Q2 2026

Statement of Financial Condition (32 items)
Ripple Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $306K
1b. Cash Items in Process of Collection AS0005 $25K
1c. Total Cash on Hand 730A $331K
2a. Cash on Deposit in Corporate Credit Unions 730B1 $6.8M
2. Cash on Deposit (total) 730B $6.8M
3. Time Deposits in Banks and Credit Unions AS0007 $500K
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $7.6M
12b. Perpetual Contributed Capital 769B $133K
13. TOTAL OTHER INVESTMENTS AS0017 $133K
15a. Number of Total Loans and Leases 025A 1,194
15b. Total Loans and Leases 025B $30.1M
17. ACL on Loans and Leases AS0048 $242K
18c. Foreclosed/Repossessed - Vehicles AS0024 $3K
18e. Foreclosed/Repossessed Assets (total) 798A $3K
19. Land and Building 007 $286K
20. Other Fixed Assets 008 $51K
21. NCUA Share Insurance Capitalization Deposit 794 $297K
22d. Accrued Interest on Loans 009A $64K
22e. Accrued Interest on Investments 009B $1K
22f. All Other Assets 009C $558K
22g. Total Other Assets AS0036 $624K
23. TOTAL ASSETS 010 $38.9M
Accounts Payable and Other Liabilities 825 $53K
Accrued Dividends and Interest Payable 820A $125
Member Shares of All Types 013 $32.6M
Nonmember Deposits 880 $500K
Total Shares and Deposits 018 $33.1M
Undivided Earnings 940 $5.1M
Net Income (equity) 602 $384K
Total Net Worth 997 $5.8M
Net Worth Ratio 998 14.84%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $38.9M
Statement of Income and Expense (22 items)
Ripple Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $951K
3. Income from Investments 120 $108K
5. TOTAL INTEREST INCOME 115 $1.1M
6. Dividends on Shares 380 $218K
9. TOTAL INTEREST EXPENSE 350 $218K
10. NET INTEREST INCOME IS0010 $841K
12a. Credit Loss Expense - Loans and Leases IS0011 -$9K
12e. Total Credit Loss Expense IS0017 -$9K
13. Fee Income 131 $89K
14. Other Operating Income IS0020 $103K
23. TOTAL NON-INTEREST INCOME 117 $192K
24. Employee Compensation and Benefits 210 $268K
25. Travel and Conference 230 $16K
26. Office Occupancy 250 $26K
27. Office Operations 260 $141K
28. Educational and Promotional 270 $2K
29. Loan Servicing 280 $41K
30. Professional and Outside Services 290 $140K
32. Operating Fees 320 $2K
33. Miscellaneous Operating Expense 360 $23K
34. TOTAL NON-INTEREST EXPENSE 671 $658K
35. NET INCOME 661A $384K
Statement pages - all other filed accounts (23 items)

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

Ripple 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 $74K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 2 to less than 6 months delinquent 021B $52K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 6 to less than 12 months delinquent 022B $81K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 12 months and over delinquent 023B $23K
Loans Granted Year-to-Date 031A $1K
Amount of Loans Granted Year-to-Date 031B $5.0M
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $187K
Number of current members (not number of accounts) 083 2,438
Number of potential members 084 4,000
Non-Member Deposits 457 $2
Interest Rate of Unsecured Credit Card Loans 521 1,724.00%
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 1,400.00%
Interest Rate of New Vehicle Loans 523 399.00%
Interest Rate of Used Vehicle Loans 524 449.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $20K
Total Amount of All Year-to-Date Recoveries on Charged-Off Loans 551 $6K
Total Amount of All Other Shares 630 $320K
Amount of Regular Shares 657 $16.3M
Amount of Share Drafts 902 $5.0M
IRA/KEOGH Accounts - < 1 Year 906A $288K
Share Certificates - < 1 Year 908A $10.4M
Total Amount of Share Certificates 908C $10.6M
Number of Used Vehicle Loans 968 419
NCUA data file FS220A (19 items)

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

Ripple Credit Union, NCUA data file FS220A, Q2 2026
Line item Account Q2 2026
Total Shares - < 1 Year 013A $32.4M
Total Shares - 1-3 Years 013B1 $178K
Total Shares and Deposits - < 1 Year 018A $32.9M
Total Shares and Deposits - 1-3 Years 018B1 $178K
Number of Total Delinquent Loans & Leases (Two or more months) 041A 25
Effective date of last audit 063 $32K
Amount of Used Vehicle Loans 370 $6.3M
Amount of New Vehicle Loans 385 $1.0M
Amount of Unsecured Credit Card Loans 396 $88K
Amount of All Other Unsecured Loans/Lines of Credit 397 $1.1M
Share Certificates 451 $360
Number of Accounts for Share Drafts 452 1,656
IRA/KEOGH Accounts 453 $27
Number of Accounts for Regular Shares 454 3,245
All other shares 455 $464
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 5,754
Number of credit union employees who are Full-Time (26 hours or more) 564A 6
Number of credit union employees who are Part-Time (25 hours or less per week) 564B 1
Total credit lines 881 $5.0M
NCUA data file FS220B (21 items)

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

Ripple Credit Union, NCUA data file FS220B, Q2 2026
Line item Account Q2 2026
Amount of Delinquent Unsecured Credit Card Loans as of - 6 to less than 12 months delinquent 027B $23K
Number - Total Delinquent Credit Card Loans 045A 9
Total Amount of Delinquent Unsecured Credit Card Loans 045B $23K
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E) 065A4 $1.3M
Total Uninsured Shares and Deposits > $250K (F+J) 068A $1.3M
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $31.8M
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $122K
All other shares - < 1 Year 630A $320K
Amount of Regular Shares - < 1 Year 657A $16.3M
Non-Member Deposits - < 1 Year 880A $500K
Amount of Share Drafts - < 1 Year 902A $5.0M
IRA/KEOGH Accounts - 1-3 Years 906B1 $11K
Total Amount of IRA/KEOGH Accounts 906C $299K
Share Certificates - 1-3 Years 908B1 $167K
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $25K
Number of New Vehicle Loans 958 34
Total Shares 966 $6K
Total of outstanding loan balances subject to bankruptcies identified in items 23a-c. 971 $294K
Number of Unsecured Credit Card Loans 993 121
Number of All Other Unsecured Loans/Lines of Credit 994 298
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 2
NCUA data file FS220C (4 items)

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

Ripple 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
Supplemental Share Information - Dollar Amount of Share Certificates = or > $100,000 638 $4.4M
Supplemental Share Information - Dollar Amount of IRA/Keogh Accounts = or > $100,000 639 $126K
NCUA data file FS220D (18 items)

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

Ripple 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
Financial Education 879B2 $1
No Cost Bill Payer 879C2 $1
Student Scholarships 879C4 $1
Loan Payments 887F $1
Bill Payment 887J $1
Electronic Signature Authentication/Certification 887P $1
e-Statements 887R $1
Remote Deposit Capture 887U $1
MobilePmts 887V $1
Informational Website PI0007 $1
Mobile Application PI0008 $1
Online Banking PI0009 $1
Person-to-Person PI0011 $1
Offer Custodial Accounts PP0032 $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%)

Ripple Credit Union, NCUA data file FS220G, Q2 2026
Line item Account Q2 2026
Equity Acquired in Merger 658A $316K
Total Credit Lines at Corporate Credit Unions 884 $5.0M
Current Quarter's Total Adjusted Retained Earnings acquired through Business Combinations 1004 $316K
Prior Quarter-End Adjusted Retained Earnings acquired through Business Combinations 1004A $316K
NCUA data file FS220H (1 item)

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

Ripple Credit Union, NCUA data file FS220H, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for all loan types 816A $601K
NCUA data file FS220I (8 items)

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

Ripple Credit Union, NCUA data file FS220I, Q2 2026
Line item Account Q2 2026
Amount of Used Vehicle Loans Delinquent 30 to 59 days 020C2 $66K
Amount of Used Vehicle Loans Delinquent 60 to 179 days 021C2 $41K
Amount of Used Vehicle Loans Delinquent 180 to 359 days 022C2 $54K
Number of Reportable Delinquent Used Vehicle Loans 035E2 7
Amount of Reportable Delinquent Used Vehicle Loans 041C2 $115K
Amount of Used Vehicle Loans YTD Charge Offs 550C2 $11K
Commercial Share Accounts 643 $886K
Negative Shares as Included in All Other Unsecured Loans/Lines of Credit 644 $4K
NCUA data file FS220L (8 items)

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

Ripple Credit Union, NCUA data file FS220L, Q2 2026
Line item Account Q2 2026
Total Number of Loans & Leases on Loan Schedule 025A1 $1K
Total Amount of Loans & Leases on Loan Schedule 025B1 $30.1M
Amount of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 386A $992K
Interest Rate of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 562A 675.00%
Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 563A 675.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 699.00%
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $2.1M
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $18.5M
NCUA data file FS220M (7 items)

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

Ripple 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 $134K
Total Unfunded Commitments for Credit Card Lines (Non-Commercial) 812C $294K
Total Other Unfunded Commitments (Non-Commercial) 816B5 $174K
Total Unfunded Commitments for Non-Commercial Loans 816T $601K
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 170
Number of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 960A 44
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 108
NCUA data file FS220N (3 items)

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

Ripple Credit Union, NCUA data file FS220N, Q2 2026
Line item Account Q2 2026
Total Liabilities LI0069 $33.1M
(CECL) One-time Adjustment to Undivided Earnings for those credit unions that have adopted ASC topic 326 - Financial Instruments - Credit Losses NW0002 $123K
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $38.9M
NCUA data file FS220P (18 items)

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

Ripple Credit Union, NCUA data file FS220P, Q2 2026
Line item Account Q2 2026
Loan Loss Information - YTD Charge Offs - All Other Unsecured Loans/Lines of Credit CH0007 $9K
Loan Loss Information - YTD Recoveries - All Other Unsecured Loans/Lines of Credit CH0008 $2K
Loan Loss Information - YTD Recoveries - All Other Secured Non-Real Estate Loans/Lines of Credit CH0016 $5K
All Other Unsecured Loans/Lines of Credit DL0022 $591
All Other Unsecured Loans/Lines of Credit DL0023 $10K
All Other Unsecured Loans/Lines of Credit DL0024 $3K
All Other Unsecured Loans/Lines of Credit DL0027 $13K
All Other Unsecured Loans/Lines of Credit - Total Number of Reportable Delinquent Loans DL0028 $5
Used Vehicle Loans DL0037 $20K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0050 $7K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0051 $1K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0052 $8K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0053 $4K
Delinquent Loans by Collateral Type - >=360 days - All Other Secured Non-Real Estate Loans/Lines of Credit DL0054 $23K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0055 $37K
Delinquent Loans by Collateral Type - Total Number of Reportable Delinquent Loans - All Other Secured Non-Real Estate Loans/Lines of Credit DL0056 $4
Delinquent Loans by Collateral Type - 60-89 days - Total Delinquent Loans and Leases DL0141 $31K
Amount of Consumer Loans in Non-Accrual Status DL0145 $156K
NCUA data file FS220Q (15 items)

investment portfolio detail (69%)

Ripple Credit Union, NCUA data file FS220Q, Q2 2026
Line item Account Q2 2026
Investment Maturity Distribution - Time Deposits - <=1 Year NV0111 $250K
Investment Maturity Distribution - Time Deposits - >3-5 Years NV0113 $250K
Investment Maturity Distribution - Time Deposits - Total NV0116 $500K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >10 Years NV0145 $133K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $133K
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $250K
Investment Maturity Distribution - Total Investment Securities - >3 - 5 Years NV0155 $250K
Investment Maturity Distribution - Total Investment Securities - > 10 Years NV0157 $133K
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $633K
RBC Total Equity RB0001 $5.8M
RBC Allowance for Credit Losses RB0002 $242K
RBC Total Additions RB0005 $242K
RBC Total Deductions RB0009 $297K
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $5.7M
RBC Risk-Based Capital Numerator RB0012 $5.7M
NCUA data file FS220R (35 items)

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

Ripple Credit Union, NCUA data file FS220R, Q2 2026
Line item Account Q2 2026
RBC Schedule Total Investments RB0039 $133K
RBC Schedule Total Consumer Loans RB0060 $10.6M
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $242K
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $242K
RBC Schedule Total Loans RB0079 $29.9M
RBC Total for Risk Weighting Total Loans RB0081 -$242K
RBC Total Loans 0% Weight RB0082 -$242K
RBC Schedule Total Other Assets RB0088 $1.3M
RBC Total for Risk Weighting Other Assets RB0090 $297K
RBC Other Assets 0% Weight RB0091 $297K
RBC Total from Schedule On-Balance Sheet Assets RB0099 $38.9M
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 $55K
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 $55K
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $38.9M
RBC Allowance for Credit Losses (Loans) RB0177 $242K
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate > 15 Years RL0001 93.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate > 15 Years RL0002 6,093,538.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate > 15 Years RL0003 861,000.00%
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 $77
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 $12.4M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Balloon/Hybrid 5 Years or Less RL0012 $788K
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $18.5M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Total RL0017 $1.6M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Open-end - Adjustable Rate RL0027 44.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Open-end - Adjustable Rate RL0028 992,265.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Open-end - Adjustable Rate RL0029 205,390.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Total RL0030 $992K
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Total RL0031 $205K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $214
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding RL0047 $19.5M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount Granted YTD RL0048 $1.9M
Real Estate Loans reported in Account RL0047 that contractually refinance, reprice or mature within the next 5 years RL0050 $171K
Total Shares SH0013 $32.6M
Total Shares and Deposits SH0018 $33.1M
Total Non-Member Deposits SH0880 $500K
NCUA data file FS220S (3 items)

member services and products offered (29%), HMDA and entity identifiers (24%)

Ripple Credit Union, NCUA data file FS220S, Q2 2026
Line item Account Q2 2026
Does the CU use financial technology companies to provide member services? PP0037 $1
Person-to-Person payments PP0045 $1
Communication PP0047 $1

Ripple 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 Ripple Credit Union call report?

The Ripple 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 Ripple Credit Union file?

Ripple 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 Ripple 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 Ripple Credit Union is 66683.

How often does Ripple Credit Union file a call report?

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

Ripple Credit Union financials and ratios →

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