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
- NCUSIF 94/100
- CAMELS 12.0%
- HEALTH 0.50%
- NW 1.14%
- DELQ $41.3M
- ROA 3,913
- ASSETS #506/4,374
- MEM Cleveland Police
- RANK 67096
Call Report peers
Golden Rule Community in the assets neighbourhood
Golden Rule Community's $41.3M assets sit next to Cleveland Police ($41.3M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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
Golden Rule Community - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #67096. See our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for WI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Golden Rule Community Call Report trajectory
Golden Rule Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.4% from $41.3M (2025Q4) to $41.9M (2026Q1).
- Net-worth ratio shifted +0.07 pp (11.94% → 12.01%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 94.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Cross-state asset and health neighbours for Golden Rule Community - kept outside Wisconsin; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($41.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (94/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Wisconsin credit unions compare overall before assuming this one is typical. Wisconsin state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Golden Rule Community financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Golden Rule Community carries a financial health score of 94/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #506 of 4,374; by total assets it ranks #2,571 of 4,374 nationally (same basis as /rankings/largest); and #72 of 100 within Wisconsin. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 12.01% net worth ratio and a 0.50% delinquency rate.
How does Golden Rule Community compare to other credit unions?
On PlainCU's health composite, Golden Rule Community lands at 94/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Golden Rule Community are 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."
What rates does Golden Rule Community offer compared to banks?
Credit unions like Golden Rule Community are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Golden Rule Community directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.