GOLDEN RULE COMMUNITY
Charter #67096 · RIPON, WI · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.23% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.22% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 95.92% sits at the 92nd percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 86th percentile but its structural peers at the 39th — a 47-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 | GOLDEN RULE COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $41.89M | 86th pct | 39th pct |
| Members | 2,950 | 74th pct | 43th pct |
| Net worth ratio | 12.01% | 36th pct | 52th pct |
| Return on average assets | 0.88% | 62th pct | 57th pct |
| Net interest margin | 4.23% | 69th pct | 93th pct |
| Cost of funds | 0.38% | 25th pct | 31th pct |
| Loan-to-share | 33.13% | 13th pct | 18th pct |
| Delinquency 60+ days | 0.66% | 53th pct | 62th pct |
| Net charge-off ratio | -0.22% | 5th pct | 2th pct |
| Loan growth YoY | -5.12% | 29th pct | 26th pct |
| Share growth YoY | 4.16% | 67th pct | 70th pct |
| Efficiency ratio | 95.92% | 84th pct | 92th pct |
structural peer set hash: a45147e0684bb5c42da4eb1576dbb74c… (reproducible)
Closest structural peers
This is the free public view
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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.