Side-by-side · Q2 2026 data
Security Financial Bank vs Royal Credit Union
Metric by metric
| Measure | Security Financial Bank | Royal Credit Union |
|---|---|---|
| TellerScore | 61 | 73 (stronger) |
| Capital cushion | 47 | 58 (stronger) |
| Loan quality | 52 | 86 (stronger) |
| Earnings | 85 (stronger) | 79 |
| Funding & liquidity | 62 | 63 (stronger) |
| Problem-loan coverage | 79 | 93 (stronger) |
| Peer percentile | 24th | 70th |
| Total assets | $1.0B | $5.9B |
| Deposits / shares | $827.5M | $5.2B |
| Capital ratio | 9.67% | 10.83% (stronger) |
| Problem loans | 1.44% | 0.43% (stronger) |
| Net charge-offs | 0.05% (stronger) | 0.59% |
| Return on assets | 1.64% (stronger) | 1.47% |
| Loans ÷ deposits | 90.3% (stronger) | 97.5% |
| Uninsured deposits | 22.0% | 11.2% (stronger) |
| Offices | 8 | 48 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.0% | 11.3% |
Royal Credit Union has the higher TellerScore (73 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Security Financial Bank leads on 3 and Royal Credit Union on 4. 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.
Where both have branches
- Eau Claire, WI
- River Falls, WI