TellerScore

Ripple Credit Union (NCUA charter #66683) is based in Oshkosh, Wisconsin. Its Q2 2026 call report shows $38.9M in total assets and $33.1M in member shares and deposits.

Ripple Credit Union has a TellerScore of 89 out of 100 (very strong) based on Q2 2026 data — higher than 87% of its 2,479 credit unions with under $100 million in assets. Among 98 credit unions headquartered in Wisconsin, it ranks 7th. Earnings contributes the most (99/100, 1.98%); funding & liquidity contributes the least (69/100, 91% loans-to-deposits, 4% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion98/100
Net worth ratio: 14.84%
Loan quality79/100
Loans 60+ days delinquent ÷ total loans: 0.62%
Earnings99/100
Return on assets (annualized): 1.98%
Funding & liquidity69/100
Loans ÷ shares: 91.1% · 3.9% uninsured
Problem-loan coverage93/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.30%

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 rose 12 points (77 → 89), mostly because the loan quality component improved by 20 points.

TellerScore
607589Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202460
Q3 202461
Q4 202464
Q1 202562
Q2 202577
Q3 202585
Q4 202582
Q1 202684
Q2 202689
Net worth ratio
7.00%10.92%14.84%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.01%
Q3 202413.45%
Q4 202413.52%
Q1 202513.52%
Q2 202514.09%
Q3 202514.62%
Q4 202514.84%
Q1 202614.34%
Q2 202614.84%
Delinquent loans (60+ days)
0.62%1.82%3.01%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20242.44%
Q3 20243.01%
Q4 20242.62%
Q1 20252.36%
Q2 20251.24%
Q3 20250.63%
Q4 20250.92%
Q1 20260.75%
Q2 20260.62%
Return on assets
1.12%1.55%1.98%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.49%
Q3 20241.80%
Q4 20241.66%
Q1 20251.12%
Q2 20251.47%
Q3 20251.68%
Q4 20251.62%
Q1 20261.70%
Q2 20261.98%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202689$38.9M14.84%0.62%1.98%91.1%
Q1 202684$38.7M14.34%0.75%1.70%91.2%
Q4 202582$36.3M14.84%0.92%1.62%96.9%
Q3 202585$36.2M14.62%0.63%1.68%96.0%
Q2 202577$36.2M14.09%1.24%1.47%92.4%
Q1 202562$36.5M13.52%2.36%1.12%85.2%
Q4 202464$35.7M13.52%2.62%1.66%87.5%
Q3 202461$35.3M13.45%3.01%1.80%86.9%
Q2 202460$35.2M12.01%2.44%1.49%87.6%

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).

Capital ratio14.84%
53rd
Problem loans0.62%
53rd
Net charge-offs0.09%
58th
Return on assets1.98%
94th
Loans to deposits91.1%
8th
Uninsured deposits3.9%
29th
Loan-loss reserves0.00%
37th
Texas ratio3.3%
40th

Similar-size credit unions in Wisconsin

InstitutionScoreAssetsCapitalProblem loansCompare
Teachers Credit UnionCredit union Beloit, WI81 out of 100, Strong$37.6M12.2%0.16%vs
Meadowland Credit UnionCredit union Sheboygan Falls, WI52 out of 100, Below average$35.9M8.1%0.80%vs
Golden Rule Community Credit UnionCredit union Ripon, WI72 out of 100, Strong$42.6M12.0%1.05%vs
Wea Credit UnionCredit union Madison, WI79 out of 100, Strong$43.2M11.7%0.15%vs
Tri-County Credit UnionCredit union Marinette, WI49 out of 100, Below average$43.3M11.1%2.18%vs
County - City Credit UnionCredit union Jefferson, WI78 out of 100, Strong$43.6M11.3%0.41%vs

Deposit insurance

Is my money safe at Ripple Credit Union?

Yes. Ripple Credit Union is a federally insured credit union (NCUA charter #66683). 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 3.9% of shares and deposits ($1.3M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 14.84%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
Ripple Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
66683
RSSD ID
605692
Primary regulator
State + NCUA
Established
1960
Headquarters
P O Box 2346, Oshkosh, WI 54903
Employees
7

Quick answers

Ripple Credit Union: common questions

Is Ripple Credit Union NCUA insured?

Yes. Ripple Credit Union is a federally insured credit union (NCUA charter #66683). 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 Ripple Credit Union's TellerScore?

89 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.