Credit union · NCUA insured
Ripple Credit Union
A $38.7M credit union headquartered in Oshkosh, WI, with 2,447 members and 1 branch in Wisconsin. Best rates: CDs 4.08% and savings 0.15% APY.
Ripple Credit Union Carrot Score
66
Carrot Score
Higher than 18% of U.S. banks and credit unions
#20 of 26 in Oshkosh, WI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Ripple Credit Union
Originally incorporated in 1960 as Mercy Hospital Credit Union, the financial institution rebranded to Ripple Credit Union in November 2024.
Headquartered in Oshkosh, Wisconsin, the credit union serves individuals living or working in Winnebago, Fond du Lac, and Outagamie counties.
- Headquarters
- 429 N Sawyer St, Oshkosh, WI 54902-4253
- NCUA charter
- 66683
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This may be incomplete or out of date, so check with the credit union before you apply.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 individuals who live or work in Winnebago, Fond du Lac, or Outagamie counties in Wisconsin.
Branches
1 branch in Wisconsin
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Wisconsin
1 branch
- Main LocationMain office429 N Sawyer St, Oshkosh, WI 54902Directions
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 | 14.84% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.62% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 2.05% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $91 | $59 | — |
- CapitalNet worth ratio14.84%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.62%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets2.05%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$91Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million 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 Ripple Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.