Ripco Federal Credit Union

Headquarters: Rhinelander, Wisconsin
Charter: Credit Union
Assets: $188.8M
Fed district: Minneapolis
Regulator: NCUA

18 published fees; none has a market median to compare yet.

Source: its fee schedule, read Mar 17, 2026.

Overview

Total assets
Q2 2026, quarter end
NCUA 5300 call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee income
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee-income share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Mar 17, 2026

How these figures are measured

Call-report figures are for Ripco Federal Credit Union, from NCUA 5300 call reports. Revenue is interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	NCUA 5300 call report Account 010	Q2 2026 Quarter ended Jun 30, 2026	Oct 20, 2026
Revenue	Revenue (interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	NCUA 5300 call report Account 115 + Account 117	Q2 2026 Quarter ended Jun 30, 2026	Oct 20, 2026
Fee income	Fee income (NCUA 5300 Account 131) Standalone quarter: year to date less the prior quarter (Q1 as filed)	NCUA 5300 call report Account 131	Q2 2026 Quarter ended Jun 30, 2026	Oct 20, 2026
Fee-income share of revenue	Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income) Shown when at least 10 credit unions of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Ripco Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Mar 17, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Ripco Federal Credit Union (credit union)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

What stands out

Fee income was $273K in Q2 2026, 22% above the same quarter a year earlier ($224K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Wire Transfer (Domestic Out)
Ripco Federal Credit Union: $25
Ripco Federal Credit Union: $25
U.S. median: no median
Stop Payment
Ripco Federal Credit Union: $50
Ripco Federal Credit Union: $50
U.S. median: no median
Cashier's Check
Ripco Federal Credit Union: $5
Ripco Federal Credit Union: $5
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Mar 17, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Wisconsin, the Minneapolis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Wisconsin: Banks and credit unions headquartered in Wisconsin that publish the fee.
Minneapolis district: Banks and credit unions headquartered in the Minneapolis Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Fee income rose 11% from Q3 2025 to Q2 2026, to $273K.

Fee income, Q2 2026

$273K

$246KQ3 2025

$277KQ4 2025

$242KQ1 2026

$273KQ2 2026

Against the median

Ripco Federal Credit UnionMedian

Sources and open questions

NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.

Which fees make up most of fee income, and has that mix changed?

Among its peers

Ripco Federal Credit Union · $189M in assets

The 25 credit unions closest in assets

Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.

Credit unions only
$184M to $193M in assets
Headquartered in 17 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Ripco Federal Credit Union(this institution)	Rhinelander, WI	$189M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Alden Federal Credit Union	Chicopee, MA	$185M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Cincinnati Ohio Police Federal Credit Union	Cincinnati, OH	$188M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Democracy Federal Credit Union	Alexandria, VA	$188M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Discovery Federal Credit Union	Wyomissing, PA	$193M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Downriver Community Federal Credit Union	Ecorse, MI	$193M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Central Federal Credit Union	Waco, TX	$192M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Government Employees Federal Credit Union	Austin, TX	$189M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Horizon Utah Federal Credit Union	Farmington, UT	$185M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Infirst Federal Credit Union	Alexandria, VA	$186M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Journey Federal Credit Union	Saint Johns, MI	$187M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Kauai Federal Credit Union	Lihue, HI	$193M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Lone Star Federal Credit Union	Dallas, TX	$188M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Magnolia Federal Credit Union	Jackson, MS	$186M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Members' Advantage Federal Credit Union	Wisconsin Rapids, WI	$185M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Miami Firefighters Federal Credit Union	Miami, FL	$189M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Miami Postal Service Federal Credit Union	Miami, FL	$184M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Municipal Employees Credit Union of Oklahoma City	Oklahoma City, OK	$190M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Nw Preferred Federal Credit Union	Tigard, OR	$189M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Priority First Federal Credit Union	Du Bois, PA	$187M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Priority Trust Federal Credit Union	Houston, TX	$191M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Puerto Rico Federal Credit Union	Caparra, PR	$188M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
River Works Federal Credit Union	Lynn, MA	$193M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Sierra Pacific Federal Credit Union	Reno, NV	$189M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
South Metro Federal Credit Union	Prior Lake, MN	$185M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Xcel Federal Credit Union	Bloomfield, NJ	$186M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 11 publish this fee(monthly maintenance)

14 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Ripco Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $5.95 among 11 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026.

Monthly maintenance fee in dollars, one mark per institution

Ripco Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

Ripco Federal Credit UnionPeer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Ripco Federal Credit Union (credit union). Income lines are standalone quarters.

Measure

Fee income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $273K
vs prior quarter: +$31K+12.8%; from Q1 2026
vs a year earlier: +$49K+21.9%; from Q2 2025
vs start of range: +$41K+17.7%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Ripco Federal Credit Union (credit union)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$273K	+$31K	+12.8%
Q1 2026	$242K	−$35K	−12.6%
Q4 2025	$277K	+$31K	+12.6%
Q3 2025	$246K	+$22K	+9.8%
Q2 2025	$224K	+$12K	+5.7%
Q1 2025	$212K	−$23K	−9.8%
Q4 2024	$235K	+$3K	+1.3%
Q3 2024	$232K	+$14K	+6.4%

Fee-income share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Ripco Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Minimum Balance Fee$3
Early Account Closure (180 Days)$5
Dormant Account (Per Month)$10
per month
Account Research (Per Hour)$25
Not compared: Charged per hour; comparison unavailable
per hour
Mailed Paper Statements (Per Month)$5
per month
Invalid Address Per Month$5
per month
Returned Mail (Per Piece)$5
Not compared: Per-item charge, not monthly
per item

ATM & Card

Debit Card Replacement$5
Plastic Card Rushed Mail$75

Wire Transfers

Account Fees Wire Transfer Fees: Domestic Outgoing$25

Check Services

Cashier’s Check (Per Check)$5
per item
Money Order (Per Check; max)$1
per item
Stop Payment Block (3+)$50
Temporary Checks$2
per item · Per sheet of 4
Temporary Checks (Sheet of 4)$2
Member Check Cashing$3
Staff Assisted Transfer$5
Check Copy (Per Item)$3
per item

Cash & Deposit

Deposit Item Returned$25

Account Services

3x5x21” per year$20
per year
Accounts where the primary owner is under age 18 are exempt. IRAs, HSAs, certificates, and funeral trust shares are also$45
Not compared: CD/IRA fee
per year
Lost Key/Reset$45
Not compared: Box drilling or key fee
Safe Deposit Box 10x10x21” per year (audience not stated, treated as personal)$70
per year
Safe Deposit Box 10x15x21” per year (audience not stated, treated as personal)$95
per year
Safe Deposit Box 3x10x21” per year (audience not stated, treated as personal)$30
per year
Safe Deposit Box 5x10x21” per year (audience not stated, treated as personal)$45
per year
Garnishment & Tax Levy$25

Lending Fees

Late Payment per month$10
Not compared: Monthly charge, not per item
per month

Other Fees

Statement Copies$5

Fee	Amount	Basis	Note
Account Maintenance
Minimum Balance Fee	$3	Not stated	None
Early Account Closure (180 Days)	$5	Not stated	None
Dormant Account (Per Month)	$10	per month	None
Account Research (Per Hour)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Mailed Paper Statements (Per Month)	$5	per month	None
Invalid Address Per Month	$5	per month	None
Returned Mail (Per Piece)	$5Not compared: Per-item charge, not monthly	per item	None
ATM & Card
Debit Card Replacement	$5	Not stated	None
Plastic Card Rushed Mail	$75	Not stated	None
Wire Transfers
Account Fees Wire Transfer Fees: Domestic Outgoing	$25	Not stated	None
Check Services
Cashier’s Check (Per Check)	$5	per item	None
Money Order (Per Check; max)	$1	per item	None
Stop Payment Block (3+)	$50	Not stated	None
Temporary Checks	$2	per item	Per sheet of 4
Temporary Checks (Sheet of 4)	$2	Not stated	None
Member Check Cashing	$3	Not stated	None
Staff Assisted Transfer	$5	Not stated	None
Check Copy (Per Item)	$3	per item	None
Cash & Deposit
Deposit Item Returned	$25	Not stated	None
Account Services
3x5x21” per year	$20	per year	None
Accounts where the primary owner is under age 18 are exempt. IRAs, HSAs, certificates, and funeral trust shares are also	$45Not compared: CD/IRA fee	per year	None
Lost Key/Reset	$45Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10x10x21” per year (audience not stated, treated as personal)	$70	per year	None
Safe Deposit Box 10x15x21” per year (audience not stated, treated as personal)	$95	per year	None
Safe Deposit Box 3x10x21” per year (audience not stated, treated as personal)	$30	per year	None
Safe Deposit Box 5x10x21” per year (audience not stated, treated as personal)	$45	per year	None
Garnishment & Tax Levy	$25	Not stated	None
Lending Fees
Late Payment per month	$10Not compared: Monthly charge, not per item	per month	None
Other Fees
Statement Copies	$5	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Mar 17, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Fee change alerts

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