Side-by-side · Q2 2026 data
Ripple Credit Union vs McU Financial Center Credit Union
Credit union
McU Financial Center Credit Union
Racine, Wisconsin · Under $100 million in assets
Metric by metric
| Measure | Ripple Credit Union | McU Financial Center Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 64 |
| Capital cushion | 98 (stronger) | 56 |
| Loan quality | 79 (stronger) | 78 |
| Earnings | 99 (stronger) | 39 |
| Funding & liquidity | 69 | 75 (stronger) |
| Problem-loan coverage | 93 (stronger) | 90 |
| Peer percentile | 87th | 28th |
| Total assets | $38.9M | $31.2M |
| Deposits / shares | $33.1M | $27.8M |
| Capital ratio | 14.84% (stronger) | 10.56% |
| Problem loans | 0.62% (stronger) | 0.67% |
| Net charge-offs | 0.09% (stronger) | 0.37% |
| Return on assets | 1.98% (stronger) | 0.47% |
| Loans ÷ deposits | 91.1% | 85.6% (stronger) |
| Uninsured deposits | 3.9% | 1.2% (stronger) |
| Offices | 0 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Ripple Credit Union has the higher TellerScore (89 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Ripple Credit Union leads on 5 and McU Financial Center Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.