Side-by-side · Q2 2026 data
University of Wisconsin Credit Union vs Royal Credit Union
Credit union
University of Wisconsin Credit Union
Madison, Wisconsin · $1 billion – $10 billion
Metric by metric
| Measure | University of Wisconsin Credit Union | Royal Credit Union |
|---|---|---|
| TellerScore | 68 | 73 (stronger) |
| Capital cushion | 42 | 58 (stronger) |
| Loan quality | 84 | 86 (stronger) |
| Earnings | 64 | 79 (stronger) |
| Funding & liquidity | 79 (stronger) | 63 |
| Problem-loan coverage | 93 | 93 |
| Peer percentile | 50th | 70th |
| Total assets | $6.7B | $5.9B |
| Deposits / shares | $5.8B | $5.2B |
| Capital ratio | 9.21% | 10.83% (stronger) |
| Problem loans | 0.48% | 0.43% (stronger) |
| Net charge-offs | 0.60% | 0.59% (stronger) |
| Return on assets | 1.11% | 1.47% (stronger) |
| Loans ÷ deposits | 81.1% (stronger) | 97.5% |
| Uninsured deposits | 9.6% (stronger) | 11.2% |
| Offices | 24 | 48 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.4% | 11.3% |
Royal Credit Union has the higher TellerScore (73 vs 68). On the 7 directional measures above (where higher or lower is clearly better), University of Wisconsin Credit Union leads on 2 and Royal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.