Ripco Credit Union

Ripco Credit Union is headquartered in RHINELANDER and is the 44^th largest credit union in the state of Wisconsin. It is also the 1,424^th largest credit union in the nation. It was established in 1932 and as of December of 2011, it had grown to 34 employees and 14,857 members. Ripco Credit Union has a 4-star health rating.

Ripco Credit Union Routing Number: 291580711

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Data for Q4 2011

Institution Statistics RIPCO NCUA # 67183 BankRate Report View Year Chartered 1932 Employees 34 Primary Regulator Assets and Liabilities Assets $100.77 million Loans $58.75 million Deposits $90.27 million Equity Capital $10.15 million Loan Loss Allowance $715,000 Unbacked Noncurrent Loans $1.47 million Real Estate Owned $620,000 Historic Data - December 2010 Assets $74.29 million Equity Capital $7.61 million Loan Loss Allowance $496,000 Unbacked Noncurrent Loans $926,000 Real Estate Owned $534,000 Profit Margin - Quarterly Net Interest Margin 4.51% Return on Assets 1.42% Return on Equity 14.1% Interest Income $3.54 million Non-Interest Income $1.97 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Ripco Credit Union had $2.09 million in non-current loans and owned real-estate with $10.86 million in equity and loan loss allowances on hand to cover it. This gives Ripco Credit Union a Texas Ratio of 19.20% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Ripco Credit Union held steady from 18.02% as of December 31, 2010 to 19.20% as of December 31, 2011, resulting in a negative change of 6.55%. This indicates that the balance sheet and financial strength for Ripco Credit Union has held steady in recent periods. Deposit Growth In the past year, Ripco Credit Union has increased its total deposits by $23.82 million, resulting in 35.84% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Ripco Credit Union has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Ripco Credit Union has $100.77 million in assets with $10.86 million in equity, resulting in a capitalization level of 10.78%, which is above average.

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