State credit union · Oshkosh, Wisconsin · NCUA charter #66683
RIPPLE
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $36.3M
- Total assets
- 2,441
- Members
- 14.3%
- Net-worth ratio
RIPPLE scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $36.3M; members 2,441; net-worth ratio 14.34%; health rank #1,610 of 4,374; healthier than 60th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,610 of 4,374 health · 2025Q4RIPPLE · health 87/100 · $36.3M · 2025Q4
Call Report peers
RIPPLE in the assets neighbourhood
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RIPPLE vs every NCUA-scored credit union
RIPPLE sits in the busiest band, 85-89, alongside 857 other credit unions.
87 Top 40% higher than 60% 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
RIPPLE vs $10M–$50M peers
- Largest favorable gap: Loan-to-Share Ratio at 96.85% vs peer 59.80% (+37.05 pp).
- Largest lag: Net Worth Ratio at 14.34% vs peer 14.86% (-0.52 pp).
RIPPLE: in-state Call Report ranks
- Health composite ranks #61 of 100 among scored Wisconsin credit unions.
- By total assets, RIPPLE is #75 of 100 in Wisconsin.
- Wisconsin membership ordinal: #77 of 100.
- One place up in Wisconsin, SERVICE (#60) ties at 87/100; one place down, ALTRA (#62) ties at 87/100.
How RIPPLE's 5300 filing moved
RIPPLE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +6.6% from $36.3M (2025Q4) to $38.7M (2026Q1).
- Net-worth ratio shifted -0.50 pp (14.84% → 14.34%).
This credit union's 14.34% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 87/100 score is built
RIPPLE gives up 13 points in total. Member Growth costs the most, 5.5 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.8 pts
- Return on Assets 15.0 pts
- Member Growth 9.5 pts
- Loan-to-Share Ratio 11.7 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.34% | -0.52 pp |
| Delinquency Rate | 0.92% | -0.23 pp |
| Return on Assets | 1.63% | +0.93 pp |
| Member Growth | 0.45% | - |
| Loan-to-Share Ratio | 96.85% | +37.05 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $38.7M | - |
| 2025Q4 | $36.3M | 2,441 |
| 2024Q4 | $35.7M | 2,430 |
| 2023Q4 | $35.1M | 2,534 |
Credit Union Details
- Charter Number
- 66683
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Wisconsin
- City
- Oshkosh
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for RIPPLE.
| Office | City |
|---|---|
| Main Location (Main Office) | Oshkosh, 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.
Nationwide credit unions with similar profiles
Similar total assets
Using this data
- RIPPLE ranks #1,610 of 4,374 nationally on financial health and #61 of 100 in WI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- TEACHERS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with TEACHERS
Frequently Asked Questions
Is RIPPLE financially healthy?
RIPPLE has a financial health score of 87/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,610 of 4,374 nationally on health and #61 of 100 in Wisconsin. Its net worth ratio is 14.34% and its delinquency rate 0.92%.
How does RIPPLE compare to other credit unions?
RIPPLE scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (96.85% vs 59.80%). Its widest shortfall is net worth ratio (14.34% vs 14.86%).
How can I join RIPPLE?
Membership eligibility for RIPPLE depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact RIPPLE directly for current membership requirements and application steps.
Is my money safe at RIPPLE?
RIPPLE 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. RIPPLE's net worth ratio of 14.34% 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.