# GOLDEN RULE COMMUNITY
RIPON, WI · NCUA charter 67096 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/golden-rule-community-67096

Who the members are: state charter, organized 1938. 2,950 members of 25,000 potential (11.8% of the field); checking penetration 74% (share draft accounts per 100 members); loans per 100 members 54.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $41.9M |
| Members | 2,950 (-7.3% YoY) |
| Full-time staff | 8 |
| Net worth | $5.0M |
| Net worth ratio | 12.0% (p31 of band) |
| ROA (annualized) | 0.87% (p64 of band) |
| Total delinquency | 0.66% (p50 of band) |
| Net charge-offs (annualized) | -0.22% (p7 of band) |
| Loans / shares | 33% (p16 of band) |
| Cash / assets | 67.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.20% (p63 of band) |
| Operating expense / assets | 4.28% (p66 of band) |
| Vehicles % of loans | 35% (p22 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 1.41% (p72 of band) |
| Vehicle NCO | 0.55% (p81 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 49% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 86% |
| Certificates % of member funds | 6% |
| Average share balance | $6,366 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 54% |
| Loans granted per 100 members, annualized | 16% |
| Average loan balance | $7,628 |
| Loans granted, annualized | $4.2M |

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, charge-offs p90 |  |
| 2016-06 | 1 |  | charge-offs p90 |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | members leaving |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 1 |  | members leaving |
| 2018-03 | 2 | delinquency rising |  |
| 2018-06 | 1 |  | delinquency rising |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | thin capital |
| 2019-03 | 1 | thin capital |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 | delinquency rising | thin capital |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 3 | thin capital, margin squeeze |  |
| 2020-09 | 3 | delinquency 2x band | delinquency rising |
| 2020-12 | 4 | delinquency rising |  |
| 2021-03 | 5 | net worth falling |  |
| 2021-06 | 4 |  | net worth falling |
| 2021-09 | 3 |  | delinquency rising |
| 2021-12 | 4 | net worth falling |  |
| 2022-03 | 4 | members leaving | margin squeeze |
| 2022-06 | 3 |  | members leaving |
| 2022-09 | 2 |  | net worth falling |
| 2022-12 | 3 | members leaving |  |
| 2023-03 | 2 |  | members leaving |
| 2023-06 | 3 | members leaving |  |
| 2023-09 | 5 | delinquency rising, assets shrinking, loan book shrinking | thin capital |
| 2023-12 | 5 |  |  |
| 2024-03 | 4 |  | members leaving |
| 2024-06 | 4 |  |  |
| 2024-09 | 3 | members leaving | delinquency rising, assets shrinking |
| 2024-12 | 2 |  | delinquency 2x band |
| 2025-03 | 1 |  | loan book shrinking |
| 2025-06 | 0 |  | members leaving |
| 2025-09 | 1 | members leaving |  |
| 2025-12 | 0 |  | members leaving |
| 2026-03 | 1 | members leaving |  |

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

- 2026-06-04 [11th-annual Bike Rodeo pedals back to Barlow Park June 7 - Ripon Commonwealth Press](https://news.google.com/rss/articles/CBMi1AFBVV95cUxPSEpzZ2Y3RGNSNUNRNkFMTmljSnV2N3Roem45XzI0eEdETWtXX2FLUjlYVFoyZHNIWW1RZmdYRnVTb3NCeF9pUVViV2g3YnRVNE9iNEJldmVPdGpEakthS3lkR1J4WWs4N0tfVjRpQjhfaDVHYi1fcm4zaENyRk0xWUUtUFBZX1lSdDY1cXhYWnN6ZDM3c3c5alpKYm5lLUtJYUZLWTVpSkxXOEZnVVBkXzFtTDJVQVJxZmxnZkhIX1ZLNng3bzA3T2dsdVpIVGpkZVdLOA?oc=5) · Ripon Commonwealth Press
- 2024-02-26 [Corporate Central welcomes Charlie Zanayed to Board of Directors - CUInsight](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQTXRqTmRBNjZ3RGowX3ZldUR6NkdUcWgtcFFwTHo1LUJfcG9KcVBOSG5KZ0lsemFQR05GSk9LZnVmOWl0ZHNJM1h4bzVyYUhtQ1RwQ052ZjFMVmtZZUVlX0dic01Ra21FaU11bHhQcFpmVWVuQnNuZlRPWVd1VFpoZU1GTHdfek5lMFRZcXNVX20xVms1WnhVWFFIUFVWcjBzXzFnd2o3cng?oc=5) · CUInsight
- 2015-06-01 [Harold Sabel Obituary June 1, 2015 - Butzin Marchant Funeral Home](https://news.google.com/rss/articles/CBMiZEFVX3lxTE5VUWtUWWtvdUdzb0dVbFB0NEtQYW9NWFJIVkQ0NTZLZGo2NTN4SE5vbWc1NWVlaENneGQ4ajlFcm80eXNpNmF5Q0ZwcjdBY0Q2aFNRUDFjdlJYLTZMSzFxZmpYemo?oc=5) · Butzin Marchant Funeral Home
- 2026-06-08 [Green Lake seniors receive nearly $1M in scholarships - Ripon Commonwealth Press](https://news.google.com/rss/articles/CBMizwFBVV95cUxNWm1DcjFZcWczU1FLel9OSUZha3hzWC1sVGxqNHBDNVZmYy1BWWxTMFI0eGppQlc5c0gzTjI5NWl1eU9XQ0FPTFNhYVE2eWphUm5iWWllS2M4N2hnbm9LSDRMNE5jeGlmT1lxdnMxTXZaOURjLVpBM2hNZnRFVzNKdHdJdUtUWXF2SU1Rc3NtQnJHMlBpSzl3a01oUENkeVZISGdKU3N4U1RfTnBtNzdUWHNvLTBFU0x3dHNTRHlnVzlqWmJyNDMxNkRqWTZnams?oc=5) · Ripon Commonwealth Press
- 2017-05-05 [Pamela Cook Obituary (1963 - 2017) - Ripon, WI - Oshkosh Northwestern - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxPU3F5T2lvTGlCOG02SGU3ZHJwS1Z2LVQ4X08yUWowbEh4ZUR4cjZUMlRBRVYwZ3lOalFPbTk1UnVWcm5UcTR3aUJYdXBQZzdoa2pMQXp1T3J5d1ZXc2NaSEh5RC1FakJDbU13cUdXRGJFTFRmbWVIRmo0bTdMOUFfLWhPLWEzVktnUXJaUWxfR2I2R05k?oc=5) · legacy.com
- 2025-05-24 [More than $2.7M in scholarships awarded to Ripon seniors - Ripon Commonwealth Press](https://news.google.com/rss/articles/CBMi0wFBVV95cUxQbVlsQlZCaUNSRTZhZ0hIakdCWUhSbFY5aGpBR0FsWl84ak55OTFjSUdENWhfUzNQdFF5S19VQ0FLWnd3cUhKM0NpemxHdU5HRFJHWVYyekFLVkJndFdtSVYyUlI5SmpUSFVwMDJFNnRYUTN1SXJxY1JHakhjUGpPb3dHN1F6VjlBOG1leHNOMnYxZnExcE85N19xMDZodHU3NDdVY0pmM2FQMWFBaU9rcy1lWGpMWVF2LW9OY0tjTV9sdEZLbHZRVXZ6OU91bFhRRHNJ?oc=5) · Ripon Commonwealth Press
- 2025-05-24 [Green Lake School honors students, presents scholarships - Ripon Commonwealth Press](https://news.google.com/rss/articles/CBMi0wFBVV95cUxPd0l2aDhpak5MdHdCc1JrekkybHI0b0dkanIwZV9RTklwcWxGc3FTV3VrOUdteEpFTDVhYTd1Sl9hZ0Naa3FXTjFqRlFRZDNRU2dzMzN6Skg3U19EdGx4WTZUeXM5OXNIRmZKY2VDbWhZUk1nNDRzQ2kzamltZ0s5bnJEdjI1MUVZWVppdTRuZjJLNTNkcmx3c2MxVUJJbnhncVFfQThtZVRtTE5lUXM4RExNN0ozMVJUVC1XdHNVYmhRczBkdE5RSkNjcTRBUVBBWFR3?oc=5) · Ripon Commonwealth Press
- 2022-05-27 [PHOTOS: Green Lake senior class receives $330,000 in scholarships - Ripon Commonwealth Press](https://news.google.com/rss/articles/CBMi3gFBVV95cUxOUkN1MjlNcnhSc0N1dm93a2JRWnNWVmNoOHpzMUFGbmg2MWdXODJGaFdaNGE2Y3RtTkVLcTYzZmI3djdtZDJ0TnJxZWhvR1lVRjJ5T3ZEZ1NxVWJ4dlBTdjdtWFFTUzBwbmY3em5FUGZ2RHE0Wmc4LUtVWnVEMEZPRk9PUkMxRUdMZ2plZUpTR1l0eExIXzJWQTVValRrNzFWU3VUMWJzZ3JNb2RSUmVpMEcxeThyTzU5S1I1U0xoZ3RWQlNlLUVGaDE2Q1VSMWNEMzVYaExCR2MxNHo0V0E?oc=5) · Ripon Commonwealth Press

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67096 (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/24.json (key "67096", 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=67096
- 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