RIPCO
Charter #67183 · Rhinelander, WI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.41% sits at the 13th percentile of structural peers — worth a closer look.
- Net interest margin of 4.86% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.61% sits at the 79th percentile of structural peers — worth a closer look.
- Efficiency ratio of 88.96% sits at the 89th percentile of structural peers — worth a closer look.
- On Return on average assets, the asset-size band puts this credit union at the 30th percentile but its structural peers at the 13th — a 17-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 | RIPCO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $188.81M | 47th pct | 44th pct |
| Members | 12,977 | 49th pct | 51th pct |
| Net worth ratio | 9.86% | 26th pct | 33th pct |
| Return on average assets | 0.41% | 30th pct | 13th pct |
| Net interest margin | 4.86% | 95th pct | 95th pct |
| Cost of funds | 0.65% | 24th pct | 34th pct |
| Loan-to-share | 73.47% | 53th pct | 41th pct |
| Delinquency 60+ days | 0.61% | 50th pct | 54th pct |
| Net charge-off ratio | 0.61% | 73th pct | 79th pct |
| Loan growth YoY | -2.27% | 23th pct | 18th pct |
| Share growth YoY | 3.98% | 57th pct | 46th pct |
| Efficiency ratio | 88.96% | 83th pct | 89th pct |
structural peer set hash: 5ef019f59ddb094a1f659181786c45e3… (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.