Side-by-side · Q2 2026 data
Royal Bank vs Tomah Area Credit Union
Metric by metric
| Measure | Royal Bank | Tomah Area Credit Union |
|---|---|---|
| TellerScore | 79 | 83 (stronger) |
| Capital cushion | 55 | 74 (stronger) |
| Loan quality | 98 (stronger) | 84 |
| Earnings | 79 (stronger) | 75 |
| Funding & liquidity | 83 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 96 |
| Peer percentile | 75th | 83rd |
| Total assets | $816.1M | $125.9M |
| Deposits / shares | $723.1M | $108.4M |
| Capital ratio | 10.53% | 12.45% (stronger) |
| Problem loans | 0.06% (stronger) | 0.49% |
| Net charge-offs | 0.01% | 0.01% (stronger) |
| Return on assets | 1.48% (stronger) | 1.36% |
| Loans ÷ deposits | 76.8% | 55.8% (stronger) |
| Uninsured deposits | 11.9% | 6.5% (stronger) |
| Offices | 21 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.0% | — |
Tomah Area Credit Union has the higher TellerScore (83 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Royal Bank leads on 2 and Tomah Area Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.