Royal
Eau Claire, WI · Charter 66834 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 57 branches
Q2 2026
$5.9BAssets
$5.1BLoans
$5.2BShares
$640.4MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 96% of credit unions $1B-$10B in assets (rank 17 of 435).
- Widest gap: equity / assets trails 51% of credit unions $1B-$10B in assets (rank 221 of 435).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.47%
Rank 39 of 435
Net Interest Margin
3.69%
Rank 121 of 435
Efficiency Ratio
60.26%
Rank 59 of 435
Equity / Assets
10.83%
Rank 221 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.47% | 0.55% | 0.81% | 1.14% | Beats 91% | 39 / 435 | | |
| Return on Equity | 13.55% | 5.12% | 7.41% | 9.70% | Beats 96% | 17 / 435 | | |
| Net Interest Margin | 3.69% | 3.01% | 3.39% | 3.75% | Beats 72% | 121 / 435 | | |
| Efficiency Ratio | 60.26% | 65.25% | 71.39% | 77.86% | Beats 87% | 59 / 435 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.43% | 0.45% | 0.69% | 1.05% | Beats 77% | 103 / 435 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.83% | 9.81% | 10.84% | 12.63% | Beats 49% | 221 / 435 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.83% | 9.81% | 10.84% | 12.63% | Beats 49% | 221 / 435 | | |
| Liquidity & Funding |
| Loans / Deposits | 97.50% | 78.33% | 88.38% | 95.61% | 79th pctl | 90 / 435 | | |
| Loans / Assets | 85.55% | 67.69% | 74.58% | 80.80% | 91st pctl | 37 / 435 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |