Royal Credit Union
Total assets
$5.90B
▲ +7.8% YoY
Shares & deposits
$5.21B
▲ +7.2% YoY
Loans
$4.99B
▲ +5.9% YoY
Members
339,177
▲ +4.5% YoY
ROA (annualized)
1.36%
peers 0.71%
ROE (annualized)
13.04%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | Royal Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.8% | +5.1% | +2.6 pts |
| Share growth (YoY) | +7.2% | +4.9% | +2.4 pts |
| Loan growth (YoY) | +5.9% | +5.4% | +0.5 pts |
| ROA | 1.36% | 0.71% | +0.7 pts |
| ROE | 13.0% | 6.3% | +6.8 pts |
ROA ranks in the 89th percentile of its peer group · Q1 2026
Profile
- Established
- 1964
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 200 Riverfront Terrace, Eau Claire, WI, 54703
- NCUA charter #
- 66834
- RSSD ID
- 961295
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $5.90B | $5.21B | $4.99B | $617.1M | $20.1M | 1.36% | 3.46% | 0.54% | 339,177 |
| Q4 2025 | $5.83B | $5.16B | $4.95B | $597.0M | $73.9M | 1.27% | 3.49% | 0.57% | 321,219 |
| Q3 2025 | $5.71B | $5.06B | $4.95B | $580.2M | $57.0M | 1.33% | 3.49% | 0.60% | 335,126 |
| Q2 2025 | $5.62B | $4.98B | $4.84B | $559.0M | $35.9M | 1.28% | 3.41% | 0.62% | 330,081 |
| Q1 2025 | $5.47B | $4.86B | $4.72B | $535.3M | $12.2M | 0.89% | 3.28% | 0.47% | 324,461 |
| Q4 2024 | $5.33B | $4.73B | $4.69B | $523.1M | $51.9M | 0.97% | 3.13% | 0.59% | 321,219 |
| Q3 2024 | $5.36B | $4.68B | $4.69B | $507.3M | $36.1M | 0.90% | 3.09% | 0.66% | 318,645 |
| Q2 2024 | $5.38B | $4.62B | $4.68B | $500.7M | $29.5M | 1.10% | 3.02% | 0.30% | 315,393 |
Loan mix (Q1 2026): real estate $1.53B · commercial $1.54B · consumer $1.69B · securities $80.0M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Royal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.36% | 0.71% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 13.0% | 6.3% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.46% | 3.32% | 59th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.4% | 73.0% | 18th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Royal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Royal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Royal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Royal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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