Ripco Credit Union

Overview / Commentary
121 Sutliff Ave
Rhinelander, WI 54501

Ripco Credit Union is headquartered in Rhinelander and is the 37th largest credit union in the state of Wisconsin. It is also the 1,352nd largest credit union in the nation. It was established in 1932 and as of March of 2024, it had grown to 46 employees and 12,863 members at 3 locations. Ripco Credit Union has a B health rating.

Field of Membership Restrictions

Membership in Ripco Credit Union is open to those who live, work, or own real estate in the Wisconsin counties of Florence, Forest, Langlade, Lincoln, Oneida, Price, or Vilas.
See current membership details

Reviews (1)

Alright For Checking Account

I had an account with Ripco for many decades. Ripco does a suburb job with online banking. Probably the best bells and whistles around for a Credit Union. Text banking lets you get your balance fast. Check deposits, and mobile banking doesn't seem to have excessive holds like other financial institutions. The ATM's at the branch accept deposits, and won't restrict you to withdrawing in $20.00 increments they give you 10's and $5's. There were times I wasn't happy with them, but overall they did the best they could to make me a returning customer. When I overdrafted the overdraft was usually covered. But they were quick to charge you an overdraft fee. There is no "grace period" or they won't give you anytime to "fix" an overdraft to avoid a fee. The overdraft fee is charged right away. Ripco does not have a limit to the amount of overdrafts that can be charged in a day like banks do. But overall, they are alright. Mortgage loan we had was flawless, had auto loans and they worked with me to allow time to get caught up when I was unemployed. I had personal loans, and overdraft protection. The rates were good, and service was good. The biggest gripe I have with them is not being able to get a hold of someone to discuss my account right away.. Sometimes the main number transfers to voice mail in the middle of the day. And quite a bit of playing telephone tag with a representative. Sometimes returned calls take a long time. Calling them on your break at work is sometimes almost impossible to speak to someone about your account.


Health Grade Components

NCUA #67183
Year Chartered1932
Primary Regulator
Profit Margin
Return on Assets - YTD-0.04%
Return on Equity - YTD-0.44%
Annual Interest Income$2.2MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$177.2MM$184.2MM
LoansQ1 2024vs Q1 2023$110.1MM$104.2MM
DepositsQ1 2024vs Q1 2023$159.4MM$167.3MM
Equity CapitalQ1 2024vs Q1 2023$15.9MM$14.9MM
Loan Loss AllowanceQ1 2024vs Q1 2023$907K$592K
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$868K$236K
Real Estate OwnedQ1 2024vs Q1 2023$0$0

Rates for Ripco Credit Union are currently being reviewed.


Ripco Credit Union Locations
Branch Office121 Sutliff AveRhinelander, WI 54501
Branch Office633 N Railroad StEagle River, WI 54521
Branch Office665 Coolidge AveRhinelander, WI 54501

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