# RIPPLE
Oshkosh, WI · NCUA charter 66683 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/ripple-66683

Who the members are: state charter, organized 1960, low-income designated. 2,447 members of 4,000 potential (61.2% of the field); checking penetration 68% (share draft accounts per 100 members); loans per 100 members 49.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $38.7M |
| Members | 2,447 (0.8% YoY) |
| Full-time staff | 7 |
| Net worth | $5.5M |
| Net worth ratio | 14.3% (p46 of band) |
| ROA (annualized) | 1.70% (p89 of band) |
| Total delinquency | 0.75% (p54 of band) |
| Net charge-offs (annualized) | 0.12% (p60 of band) |
| Loans / shares | 91% (p92 of band) |
| Cash / assets | 19.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.25% (p65 of band) |
| Operating expense / assets | 3.37% (p43 of band) |
| Vehicles % of loans | 24% (p14 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 2.26% (p82 of band) |
| Vehicle NCO | 0.13% (p73 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 65% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 65% |
| Certificates % of member funds | 32% |
| Average share balance | $5,738 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 49% |
| Loans granted per 100 members, annualized | 100% |
| Average loan balance | $25,381 |
| Loans granted, annualized | $11.4M |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | net worth falling |  |
| 2016-12 | 0 |  | net worth falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | delinquency rising |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 3 | members leaving, loans>95% of shares |  |
| 2019-03 | 1 |  | members leaving, loans>95% of shares |
| 2019-06 | 1 | loans>95% of shares | delinquency rising |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | delinquency rising |  |
| 2020-03 | 2 | delinquency 2x band | loans>95% of shares |
| 2020-06 | 4 | net worth falling, margin squeeze |  |
| 2020-09 | 3 |  | net worth falling |
| 2020-12 | 2 |  | delinquency rising |
| 2021-03 | 3 | net worth falling |  |
| 2021-06 | 0 |  | delinquency 2x band, margin squeeze, net worth falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | net worth falling, loans>95% of shares |  |
| 2022-09 | 2 | delinquency rising | loans>95% of shares |
| 2022-12 | 1 |  | net worth falling |
| 2023-03 | 1 |  |  |
| 2023-06 | 2 | delinquency 2x band |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | net worth falling |  |
| 2024-03 | 3 | margin squeeze | net worth falling |
| 2024-06 | 4 | members leaving |  |
| 2024-09 | 3 |  | margin squeeze |
| 2024-12 | 4 | repo signal |  |
| 2025-03 | 2 |  | delinquency rising, repo signal |
| 2025-06 | 0 |  | delinquency 2x band, members leaving |
| 2025-09 | 1 | loans>95% of shares |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 0 |  | loans>95% of shares |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-04 [Florida signs a multiyear deal with Ripple that includes cryptocurrency logos in the Swamp - Daily Jefferson County Union](https://news.google.com/rss/articles/CBMikAJBVV95cUxPa3V6M2N4NjJGSlVGd28wcHlUeGpVdjM5M3dWNWdJaDN3bmZHZ1k3eEU4SWppeVdvZDlabGxIMVNGejBfcHJIQ3pGQ29sZG9iTS0tajQwYk9wYjhTZXBLM2M0dXR2dnpVRW1yaVlrNFg2YnpqTTJfRUNuWTZnRWZkZmhmMWJaSEZRWXpsQkktdlZHSzAxRHVLVUtHbmJlR2FPY25NdjF1NFdhSFhjYXFmUnB2YU84Tm93eHpvRF9PNWR6cC1IVW5LUTYxSkNzV29CcHVmREpUaU92YmQxOUItOGRDb0ticVU3dGp6Ul9Zd0VzS2s0b3VHeDlFN09DSGZwaHBHdDRpZDNEN2gyX0Zzbw?oc=5) · Daily Jefferson County Union
- 2025-09-14 [What inspired Ripple Credit Union’s $750 donation this season? - Oshkosh Northwestern](https://news.google.com/rss/articles/CBMiygFBVV95cUxQRWJGVzdWT3hPb1lXYlJNMy1LOW1MbHd1ako3MEJkTGp4OFI2TzdVTC16S29rNzYyb05mV3EyQjI3WEVVYzJiODl3Zm53YzdTYkNpeTBRLVFXSGJJdFRXZ3FWR3R2ZE1JSVBtWHRSYWdzX2pJOEh6T3J3azR0Unl0X3JTV3MyUndEYzNxSUVzUlVQUjc1WUxfdGpJTUQwX3FDTDI4dU12SExrNm04S1dvZFpWc1phb3VHcWM4dElyWW1fb0VxSTE3VzVB?oc=5) · Oshkosh Northwestern
- 2026-07-29 [List of Uniform Patch Deals for the 2026 Season (7/29) - Mike Farrell Sports](https://news.google.com/rss/articles/CBMilgFBVV95cUxPMWF2YWFTbThRMlhuaGJuZXgwaVAxaE1lTDNSNlFQc0xwc0pGSXR2LXVscXdkVlNJcDU0eHVwTXo0TlktSnQ3LUtMem9CbV9zQl9pODN6YzJoMUlaVHNDY0pvN1Z0QWFtQkxqSGpuUzNjOElsTWVJakw2MW9OaTA1dDJGLW0tUTFzTXZqZHh3STRXWnNEbGc?oc=5) · Mike Farrell Sports
- 2025-09-26 [Scenes around Oshkosh: Community changes and more during the summer of 2025 - Oshkosh Northwestern](https://news.google.com/rss/articles/CBMi7wFBVV95cUxOSlNRcGRWN0gxSEliVGtTWlNfTDA0dlY1WU9GX2RmX3h3U0pUOFlLd2J5MzRqSEFkZDFiOF9weDFRUWQyZXBnOHRnOTQ0Q0I5SFhvSHFsX2FwcGdhQ3g3dFc2M1RNdmZqSWsxcVlUcjcwYW9WM0JUNmdoNWNFTmhDaUVxdGw3WnAxSkRHVmZlYUIzbWpfcUx2Rk9TVzduZlNHQUhFX25xQWloZ1FxR1JDYS1fam9fZFFybHhyZXljUjVpR0dNTHkzWjNJMjlsWFpkNVo2d1k2UVpDdFNXUDhEeGdyV1U5Ny1GaWM3akN3UQ?oc=5) · Oshkosh Northwestern
- 2024-03-07 [SevenDays names 2024 Ripple of Kindness Award finalists ahead of 10th anniversary - kcjc.com](https://news.google.com/rss/articles/CBMi0AFBVV95cUxNQzU3VHluNW9nMEM2SWpoQk5qU0ljbUswNzdyWlRiVTBhZF9tTzNyVUZyMHZzRndpRnRLU2hMejZORkhEYWhUQ0MzVV9FdG9HRllRQ05HVVFJc1VxTTJMTFlNVmd0YXhBOHlNLUZnckVEM3ZQTGhIcGJmckZWTXZVODlXX091QUR4MGtVaFVLRm5WXzczZWJzNURJcGxqR0c2ZVZNakdnZ2I0cl9hWl9pczhBejQwVmZyWmwweU1VRGtUTDlnSmNZRFJVQUEzc1lv?oc=5) · kcjc.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66683 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/59.json (key "66683", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=66683
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide