BlastPoint's Credit Union Scorecard

RIPCO

Charter #67183 · WI

100M-500M

1069 CUs in 100M-500M nationally 26 in WI

RIPCO has 3 strengths but faces 8 concerns

National Analysis

How does the industry compare?

WI Analysis

How does WI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 50.0% in tier
+ Net Interest Margin 1.30% above tier average
+ Share Certificate Concentration (%): Top 9.6% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- ROA 0.50% below tier average
- Efficiency ratio 9.99% above tier (higher cost structure)

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Members	12,674 -1.5% YoY-0.7% QoQ	-2.8K	15,437 -2.9% YoY	38,882 +6.1% YoY	33,374 +5.7% YoY	46%
Assets	$184.4M +4.2% YoY+1.8% QoQ	$-47.4M	$231.9M +1.3% YoY	$734.5M +12.6% YoY	$561.6M +9.7% YoY	45%
Loans	$126.5M +7.8% YoY-0.0% QoQ	$-20.8M	$147.3M -0.1% YoY	$568.1M +11.9% YoY	$397.0M +8.8% YoY	51%
Deposits	$164.8M +3.8% YoY+1.7% QoQ	$-36.0M	$200.8M +0.8% YoY	$617.8M +12.3% YoY	$477.3M +9.7% YoY	47%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.3% +51.7% YoY	-0.5%	0.8% +18.2% YoY	0.9% +14.0% YoY	0.7% +15.9% YoY	Bottom 15.0% in tier
NIM	4.9% +11.6% YoY+1.1% QoQ	+1.3%	3.6% +6.7% YoY	3.7% +4.8% YoY	3.8% +5.1% YoY	Top 3.7% in tier
Efficiency Ratio	87.0% -4.1% YoY-4.4% QoQ	+10.0%	77.0% -3.1% YoY	75.8% -1.1% YoY	79.7% -3.3% YoY	84%
Delinquency Rate	1.0% +51.9% YoY+0.6% QoQ	+0.1	0.9% +4.2% YoY	1.5% +86.3% YoY	1.3% -2.1% YoY	68%
Loan To Share	76.8% +3.9% YoY-1.8% QoQ	+4.6%	72.2% -1.1% YoY	80.0% -0.6% YoY	67.4% -1.7% YoY	55%
AMR	$22,984 +7.1% YoY+1.6% QoQ	$-2K	$24,676 +3.4% YoY	$23,366 +4.9% YoY	$19,687 +2.0% YoY	52%
CD Concentration	9.6% -9.7% YoY-0.7% QoQ	-14.8%	24.4%	21.5%	19.8%	50%
Indirect Auto %	20.4% -10.0% YoY-12.0% QoQ	+6.6%	13.8%	8.0%	7.8%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#302 of 513 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 7.12%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (6)

Efficiency Drag

risk

#83 of 538 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 87.01%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.09% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): -1.51%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank improving

Credit Risk Growth

risk

#105 of 456 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 7.85%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.34% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Credit Quality Pressure

risk

#219 of 705 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.34% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#357 of 506 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 4.22%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 20.44%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -1.51%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank improving

Membership Headwinds

decline

#412 of 554 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.51%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Stagnation Risk

risk

#460 of 554 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.51%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 7.85%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Rate: 0.99%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (4 metrics)

Net Interest Margin (NIM)

profitability

Value: 4.90%

Peer Median: -

#40 of 1069 Top 3.6% in 100M-500M tier

104

Share Certificate Concentration (%)

balance_sheet

Value: 9.58%

Peer Median: -

#104 of 1069 Top 9.6% in 100M-500M tier

237

AMR Growth Rate

growth

Value: 7.12%

Peer Median: -

#237 of 1069 Top 22.1% in 100M-500M tier

268

Loan Growth Rate

growth

Value: 7.85%

Peer Median: -

#268 of 1069 Top 25.0% in 100M-500M tier

Top Weaknesses (4 metrics)

970

Members Per Employee (MPE)

engagement

Value: 222.351

Peer Median: -

#970 of 1069 Bottom 9.4% in 100M-500M tier

909

Return on Assets (ROA)

profitability

Value: 0.26%

Peer Median: -

#909 of 1069 Bottom 15.1% in 100M-500M tier

899

Efficiency Ratio

profitability

Value: 87.01%

Peer Median: -

#899 of 1069 Bottom 16.0% in 100M-500M tier

818

Net Charge-Off Rate

risk

Value: 0.64%

Peer Median: -

#818 of 1069 Bottom 23.6% in 100M-500M tier