State credit union · RIPON, Wisconsin · NCUA charter #67096
Golden Rule Community
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $41.3M
- Total assets
- 3,913
- Members
- 12.0%
- Net-worth ratio
Golden Rule Community scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $41.3M; members 3,913; net-worth ratio 12.01%; health rank #506 of 4,374; healthier than 87th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#506 of 4,374 health · 2025Q4Golden Rule Community · health 94/100 · $41.3M · 2025Q4
Call Report peers
Golden Rule Community in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Golden Rule Community vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Golden Rule Community sits in 90-94 with 747 others.
94 Top 13% higher than 87% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Where Golden Rule Community diverges from peer averages
- Strongest edge vs 1163 $10M–$50M peers is Delinquency Rate: -0.65 pp (0.50% vs 1.15%).
- Largest lag: Loan-to-Share Ratio at 34.56% vs peer 59.80% (-25.24 pp).
Where Golden Rule Community sits in Wisconsin
- Health composite ranks #19 of 100 among scored Wisconsin credit unions.
- Wisconsin assets place: #72 of 100.
- Wisconsin membership ordinal: #59 of 100.
- One place up in Wisconsin, GUNDERSEN (#18) ties at 94/100; one place down, Mcu Financial Center (#20) ties at 94/100.
Golden Rule Community Call Report trajectory
Golden Rule Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.4% from $41.3M (2025Q4) to $41.9M (2026Q1).
- Net-worth ratio shifted +0.07 pp (11.94% → 12.01%).
This credit union's 12.01% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 94/100 score is built
Golden Rule Community gives up 6 points in total. Loan-to-Share Ratio costs the most, 5.9 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Member Growth score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 9.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.01% | -2.85 pp |
| Delinquency Rate | 0.50% | -0.65 pp |
| Return on Assets | 1.14% | +0.44 pp |
| Member Growth | 21.07% | - |
| Loan-to-Share Ratio | 34.56% | -25.24 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Golden Rule Community filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $41.9M | - |
| 2025Q4 | $41.3M | 3,913 |
| 2024Q4 | $40.6M | 3,232 |
| 2023Q4 | $40.5M | 3,373 |
Credit Union Details
- Charter Number
- 67096
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Wisconsin
- City
- RIPON
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Golden Rule Community.
| Office | City |
|---|---|
| GOLDEN RULE COMMUNITY CREDIT UNION (Main Office) | RIPON, WI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Wisconsin
A look at other Wisconsin credit unions, ranked by how closely their peer group and asset size match this one.
Golden Rule Community nationwide neighbourhoods
Using this data
- Golden Rule Community ranks #506 of 4,374 nationally on financial health and #19 of 100 in WI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- WEA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with WEA
Frequently Asked Questions
Is Golden Rule Community financially healthy?
Golden Rule Community has a financial health score of 94/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #506 of 4,374 nationally on health and #19 of 100 in Wisconsin. Its net worth ratio is 12.01% and its delinquency rate 0.50%.
How does Golden Rule Community compare to other credit unions?
Golden Rule Community scores 94/100, higher than 87% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.50% vs 1.15%). Its widest shortfall is loan-to-share ratio (34.56% vs 59.80%).
How can I join Golden Rule Community?
Membership eligibility for Golden Rule Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Golden Rule Community directly for current membership requirements and application steps.
Is my money safe at Golden Rule Community?
Golden Rule Community is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Golden Rule Community's net worth ratio of 12.01% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.