Golden Rule Community Credit Union is a federally insured state-chartered credit union headquartered in Ripon, Wisconsin, in business for about 88 years. At the end of Q2 2026 it reported $42.6M in total assets and $36.9M in member shares and deposits, with 1 office.
Based on its Q2 2026 filing, Golden Rule Community Credit Union scores 72/100, which we describe as strong. That is higher than only 44% of 2,479 credit unions with under $100 million in assets. Among 98 credit unions headquartered in Wisconsin, it ranks 55th. Its strongest component is funding & liquidity (100/100; 32% loans-to-deposits, 1% uninsured), and its lowest is earnings (51/100; 0.76%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 5 points (77 → 72), mostly because the earnings component weakened by 14 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 64 |
| Q3 2024 | 69 |
| Q4 2024 | 71 |
| Q1 2025 | 71 |
| Q2 2025 | 77 |
| Q3 2025 | 78 |
| Q4 2025 | 78 |
| Q1 2026 | 76 |
| Q2 2026 | 72 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 10.89% |
| Q3 2024 | 11.12% |
| Q4 2024 | 11.15% |
| Q1 2025 | 11.47% |
| Q2 2025 | 11.78% |
| Q3 2025 | 11.99% |
| Q4 2025 | 11.94% |
| Q1 2026 | 12.01% |
| Q2 2026 | 12.00% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 2.21% |
| Q3 2024 | 1.60% |
| Q4 2024 | 1.17% |
| Q1 2025 | 0.93% |
| Q2 2025 | 0.72% |
| Q3 2025 | 0.52% |
| Q4 2025 | 0.50% |
| Q1 2026 | 0.66% |
| Q2 2026 | 1.05% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.50% |
| Q3 2024 | 1.38% |
| Q4 2024 | 1.16% |
| Q1 2025 | 0.77% |
| Q2 2025 | 1.12% |
| Q3 2025 | 0.99% |
| Q4 2025 | 1.02% |
| Q1 2026 | 0.87% |
| Q2 2026 | 0.76% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 72 | $42.6M | 12.00% | 1.05% | 0.76% | 32.4% |
| Q1 2026 | 76 | $41.9M | 12.01% | 0.66% | 0.87% | 33.1% |
| Q4 2025 | 78 | $41.3M | 11.94% | 0.50% | 1.02% | 34.6% |
| Q3 2025 | 78 | $40.3M | 11.99% | 0.52% | 0.99% | 36.4% |
| Q2 2025 | 77 | $40.3M | 11.78% | 0.72% | 1.12% | 36.9% |
| Q1 2025 | 71 | $40.2M | 11.47% | 0.93% | 0.77% | 37.0% |
| Q4 2024 | 71 | $40.6M | 11.15% | 1.17% | 1.16% | 36.2% |
| Q3 2024 | 69 | $40.3M | 11.12% | 1.60% | 1.38% | 36.6% |
| Q2 2024 | 64 | $40.4M | 10.89% | 2.21% | 1.50% | 38.3% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Wisconsin
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Wea Credit UnionCredit union Madison, WI | 79 out of 100, Strong | $43.2M | 11.7% | 0.15% | vs |
| Tri-County Credit UnionCredit union Marinette, WI | 49 out of 100, Below average | $43.3M | 11.1% | 2.18% | vs |
| County - City Credit UnionCredit union Jefferson, WI | 78 out of 100, Strong | $43.6M | 11.3% | 0.41% | vs |
| Ripple Credit UnionCredit union Oshkosh, WI | 89 out of 100, Very strong | $38.9M | 14.8% | 0.62% | vs |
| Marathon County Employees Credit UnionCredit union Wausau, WI | 86 out of 100, Very strong | $46.5M | 16.3% | 0.38% | vs |
| Iron County Community Credit UnionCredit union Hurley, WI | 78 out of 100, Strong | $47.4M | 18.6% | 2.00% | vs |
Deposit insurance
Is my money safe at Golden Rule Community Credit Union?
Yes. Golden Rule Community Credit Union is a federally insured credit union (NCUA charter #67096). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 0.7% of shares and deposits ($257K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 12.00%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Golden Rule Community Credit Union lists 1 office in 1 city. Most locations:
- Ripon, WI (1)
Identity & history
Profile
- Legal name
- Golden Rule Community Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 67096
- RSSD ID
- 151292
- Primary regulator
- State + NCUA
- Established
- 1938
- Headquarters
- Po Box 97, Ripon, WI 54971
- Employees
- 20
Quick answers
Golden Rule Community Credit Union: common questions
Is Golden Rule Community Credit Union NCUA insured?
Yes. Golden Rule Community Credit Union is a federally insured credit union (NCUA charter #67096). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Golden Rule Community Credit Union's TellerScore?
72 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Golden Rule Community Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Ripon
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| National Exchange Bank and TrustBank Fond Du Lac, WI | 88 out of 100, Very strong | $2.9B | 20.1% | 0.37% | vs |
| Winnebago Community Credit UnionCredit union Oshkosh, WI | 85 out of 100, Very strong | $176.1M | 13.8% | 0.13% | vs |
| Community First Credit UnionCredit union Appleton, WI | 84 out of 100, Strong | $6.8B | 12.8% | 0.14% | vs |
| West Pointe BankBank Oshkosh, WI | 84 out of 100, Strong | $368.8M | 19.4% | 0.91% | vs |
| Fox Valley Savings BankBank Fond Du Lac, WI | 79 out of 100, Strong | $387.3M | 15.4% | 0.33% | vs |
| Farmers and Merchants Union BankBank Columbus, WI | 78 out of 100, Strong | $872.1M | 10.0% | 0.15% | vs |