State credit union · Rhinelander, Wisconsin · NCUA charter #67183
RIPCO
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $184.4M
- Total assets
- 12,674
- Members
- 9.9%
- Net-worth ratio
RIPCO scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $184.4M; members 12,674; net-worth ratio 9.86%; health rank #2,635 of 4,374; healthier than 39th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,635 of 4,374 health · 2025Q4RIPCO · health 81/100 · $184.4M · 2025Q4
Call Report peers
RIPCO in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
RIPCO vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); RIPCO sits in 80-84 with 767 others.
81 39th percentile higher than 39% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
RIPCO: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 76.80% here, 72.20% peer average (+4.60 pp).
- Largest lag: Net Worth Ratio at 9.86% vs peer 12.11% (-2.25 pp).
RIPCO: in-state Call Report ranks
- Wisconsin health ordinal: #81 of 100.
- Assets rank #35 of 100 inside Wisconsin ($184.4M reported).
- Wisconsin membership ordinal: #35 of 100.
- One place up in Wisconsin, Marshfield Medical Center (#80) scores 82/100, 1 point higher; one place down, Southern Lakes (#82) ties at 81/100.
RIPCO Call Report trajectory
RIPCO: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.4% from $184.4M (2025Q4) to $188.8M (2026Q1).
- Net-worth ratio shifted -0.13 pp (9.99% → 9.86%).
This credit union's 9.86% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 81/100 score is built
RIPCO gives up 19 points in total. Member Growth costs the most, 8.7 of its 15; Loan-to-Share Ratio scores full marks.
- Net Worth Ratio 29.6 pts
- Delinquency Rate 20.1 pts
- Return on Assets 10.0 pts
- Member Growth 6.3 pts
- Loan-to-Share Ratio 15.0 pts
RIPCO vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.86% | -2.25 pp |
| Delinquency Rate | 0.99% | +0.09 pp |
| Return on Assets | 0.16% | -0.46 pp |
| Member Growth | -1.51% | - |
| Loan-to-Share Ratio | 76.80% | +4.60 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
RIPCO quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $188.8M | - |
| 2025Q4 | $184.4M | 12,674 |
| 2024Q4 | $176.9M | 12,868 |
| 2023Q4 | $180.9M | 12,863 |
Credit Union Details
- Charter Number
- 67183
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Wisconsin
- City
- Rhinelander
- Data Quarter
- 2025Q4
Branch Locations (4)
The NCUA branch filing lists 4 physical offices for RIPCO, spread across 3 cities.
| Office | City |
|---|---|
| Ripco Credit Union (Main Office) | Rhinelander, WI |
| Ripco Credit Union | Eagle River, WI |
| Ripco Credit Union | Minocqua, WI |
| School Branch - Rhinelander High School | Rhinelander, WI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Wisconsin
More federally-insured credit unions based in Wisconsin, ordered by peer group match and asset size.
Other-state peers near RIPCO
Using this data
- RIPCO ranks #2,635 of 4,374 nationally on financial health and #81 of 100 in WI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Members' Advantage is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Members' Advantage
Frequently Asked Questions
Is RIPCO financially healthy?
RIPCO has a financial health score of 81/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,635 of 4,374 nationally on health and #81 of 100 in Wisconsin. Its net worth ratio is 9.86% and its delinquency rate 0.99%.
How does RIPCO compare to other credit unions?
RIPCO scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (76.80% vs 72.20%). Its widest shortfall is net worth ratio (9.86% vs 12.11%).
How can I join RIPCO?
Membership eligibility for RIPCO depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact RIPCO directly for current membership requirements and application steps.
Is my money safe at RIPCO?
RIPCO 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. RIPCO's net worth ratio of 9.86% 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.