Ripco Credit Union
Major Rating Factors:
A current level of 5.4 percent of nonperforming loans to core capital combined with 2.0 percent from a year earlier contributes to the Excellent asset quality (8.3). Good current capitalization (6.5 on a scale of 0 to 10) based on a net capital to total assets of 8.9 and a net worth ratio of 10.1.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10). Fair liquidity 4.1, driven by a liquidity ratio of 21.2 percent and a “hot money” ratio of 3.6 percent.
Asset Mix:
Consumer loans (30%), home mtgs (19%), other (51%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
121 Sutliff Avenue
Rhinelander, WI 54501
Rhinelander, WI 54501
Phone Number
(715) 365-4800
NCUA Charter Number
Website
Largest Competitors
Cottage Grove, WI
Brookfield, WI
Neenah, WI
Madison, WI
Eau Claire, WI