RIPPLE
Charter #66683 · Oshkosh, WI · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.75% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 64.67% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 80th percentile but its structural peers at the 38th — a 42-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | RIPPLE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $38.69M | 80th pct | 38th pct |
| Members | 2,447 | 62th pct | 30th pct |
| Net worth ratio | 14.34% | 55th pct | 67th pct |
| Return on average assets | 1.75% | 91th pct | 87th pct |
| Net interest margin | 4.38% | 74th pct | 72th pct |
| Cost of funds | 1.26% | 69th pct | 54th pct |
| Loan-to-share | 91.24% | 95th pct | 77th pct |
| Delinquency 60+ days | 0.75% | 58th pct | 61th pct |
| Net charge-off ratio | 0.12% | 50th pct | 49th pct |
| Loan growth YoY | 1.90% | 82th pct | 56th pct |
| Share growth YoY | 7.23% | 88th pct | 80th pct |
| Efficiency ratio | 64.67% | 16th pct | 18th pct |
structural peer set hash: 2eb2cca20fb82ac4e689cf9cb20ea9c4… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.