BlastPoint's Credit Union Scorecard
RIPPLE
Charter #66683 · WI
RIPPLE has 6 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.55% above tier average
- + Net Interest Margin 0.24% above tier average
- + Loan-to-Member Ratio (LMR): Top 4.1% in tier
- + Loan-to-Share Ratio: Top 7.1% in tier
- + Loan Growth Rate: Top 7.3% in tier
- + Average Member Relationship (AMR): Top 7.3% in tier
Key Concerns
Areas that may need attention
- - First Mortgage Concentration (%): Bottom 3.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,447
+0.8% YoY+0.2% QoQ
|
-229 |
2,676
+1.6% YoY
|
39,491
+5.5% YoY
|
33,913
+5.7% YoY
|
60% |
| Assets |
$38.7M
+6.0% YoY+6.6% QoQ
|
+$8.5M |
$30.2M
+1.3% YoY
|
$762.9M
+12.1% YoY
|
$578.3M
+9.0% YoY
|
68% |
| Loans |
$30.2M
+12.3% YoY+1.1% QoQ
|
+$14.9M |
$15.3M
-2.0% YoY
|
$579.7M
+11.3% YoY
|
$402.4M
+8.7% YoY
|
83% |
| Deposits |
$33.1M
+4.9% YoY+7.3% QoQ
|
+$7.3M |
$25.8M
+0.7% YoY
|
$643.6M
+11.9% YoY
|
$494.3M
+9.1% YoY
|
68% |
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| ROA |
1.7%
+49.6% YoY+4.8% QoQ
|
+1.6% |
0.1%
-77.6% YoY
|
0.3%
+1.8% YoY
|
0.4%
-39.2% YoY
|
Top 10.9% in tier |
| NIM |
4.2%
-0.4% YoY-5.8% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
3.4%
+8.2% YoY
|
3.8%
+4.1% YoY
|
69% |
| Efficiency Ratio |
64.7%
-6.1% YoY-2.0% QoQ
|
-26.0% |
90.6%
+6.5% YoY
|
77.2%
-0.5% YoY
|
84.6%
+2.8% YoY
|
17% |
| Delinquency Rate |
0.8%
-68.1% YoY-17.9% QoQ
|
-0.8 |
1.5%
+3.8% YoY
|
0.7%
-8.9% YoY
|
1.2%
+3.4% YoY
|
55% |
| Loan To Share |
91.2%
+7.0% YoY-5.8% QoQ
|
+32.7% |
58.5%
-3.0% YoY
|
78.6%
-0.5% YoY
|
65.6%
-1.4% YoY
|
Top 7.3% in tier |
| AMR |
$25,871
+7.4% YoY+4.0% QoQ
|
+$11K |
$14,884
-1.7% YoY
|
$24,071
+7.1% YoY
|
$19,920
+1.6% YoY
|
Top 7.4% in tier |
| CD Concentration |
32.1%
-3.2% YoY+3.3% QoQ
|
+7.8% | 24.3% | 21.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.0% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)