Credit union · NCUA insured
Ripco Credit Union
A $188.8M credit union headquartered in Rhinelander, WI, with 12,977 members and 4 branches in Wisconsin. Best rates: CDs 3.29% and savings 1.01% APY.
Ripco Credit Union Carrot Score
74
Carrot Score
Higher than 35% of U.S. banks and credit unions
#132 of 196 in WisconsinHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Ripco Credit Union
Ripco Credit Union obtained its state charter in 1932 and serves Oneida, Forest, Florence, Vilas, Langlade, Lincoln, and Price counties.
In October 2024, Ripco opened its fourth location in Minocqua, Wisconsin.
- Headquarters
- 121 Sutliff Ave, Rhinelander, WI 54501
- NCUA charter
- 67183
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to everyone who lives, works, or owns real estate in Oneida, Forest, Florence, Vilas, Langlade, Lincoln, or Price County.
Branches
4 branches in Wisconsin
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Wisconsin
4 branches
Rhinelander area · 2
- Ripco Credit UnionMain office121 Sutliff Ave, Rhinelander, WI 54501Directions
- School Branch - Rhinelander High School665 Coolidge Ave, Rhinelander, WI 54501Directions
Eagle River area · 1
- Ripco Credit Union633 N Railroad St, Eagle River, WI 54521Directions
Minocqua area · 1
- Ripco Credit Union8744 Ush 51 Ste 4, Minocqua, WI 54548Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.99% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.90% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.46% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $76 | $76 | — |
- CapitalNet worth ratio9.99%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.90%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.46%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$76Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Ripco Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.