TellerScore

Headquartered in Eau Claire, Wisconsin, Royal Credit Union is a federally insured state-chartered credit union with $5.9B in total assets and $5.2B in member shares and deposits as of Q2 2026. It operates 48 offices across 2 states. Its charter dates back to 1964.

Royal Credit Union has a TellerScore of 73 out of 100 (strong) based on Q2 2026 data — higher than 70% of its 454 credit unions with $1 billion – $10 billion. Among 98 credit unions headquartered in Wisconsin, it ranks 51st. Problem-loan coverage contributes the most (93/100, 3.5%); capital cushion contributes the least (58/100, 10.83%).

TellerScore · Q2 2026

Scorecard

Capital cushion58/100
Net worth ratio: 10.83%
Loan quality86/100
Loans 60+ days delinquent ÷ total loans: 0.43%
Earnings79/100
Return on assets (annualized): 1.47%
Funding & liquidity63/100
Loans ÷ shares: 97.5% · 11.2% uninsured
Problem-loan coverage93/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.54%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 6 points (67 → 73), mostly because the capital cushion component improved by 9 points.

TellerScore
626873Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202462
Q4 202464
Q1 202565
Q2 202567
Q3 202569
Q4 202569
Q1 202671
Q2 202673
Net worth ratio
7.00%8.91%10.83%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.30%
Q3 20249.46%
Q4 20249.82%
Q1 20259.78%
Q2 20259.95%
Q3 202510.15%
Q4 202510.25%
Q1 202610.46%
Q2 202610.83%
Delinquent loans (60+ days)
0.30%0.48%0.66%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.30%
Q3 20240.66%
Q4 20240.59%
Q1 20250.47%
Q2 20250.62%
Q3 20250.60%
Q4 20250.57%
Q1 20260.54%
Q2 20260.43%
Return on assets
0.89%1.18%1.47%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.10%
Q3 20240.90%
Q4 20240.97%
Q1 20250.89%
Q2 20251.28%
Q3 20251.33%
Q4 20251.27%
Q1 20261.36%
Q2 20261.47%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$5.9B10.83%0.43%1.47%97.5%
Q1 202671$5.9B10.46%0.54%1.36%95.9%
Q4 202569$5.8B10.25%0.57%1.27%96.0%
Q3 202569$5.7B10.15%0.60%1.33%98.0%
Q2 202567$5.6B9.95%0.62%1.28%97.2%
Q1 202565$5.5B9.78%0.47%0.89%97.0%
Q4 202464$5.3B9.82%0.59%0.97%99.2%
Q3 202462$5.4B9.46%0.66%0.90%100.2%
Q2 202466$5.4B9.30%0.30%1.10%101.3%

454 peers · $1 billion – $10 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.83%
49th
Problem loans0.43%
77th
Net charge-offs0.59%
42nd
Return on assets1.47%
92nd
Loans to deposits97.5%
20th
Uninsured deposits11.2%
33rd
Loan-loss reserves0.00%
50th
Texas ratio3.5%
68th

Similar-size credit unions in Wisconsin

InstitutionScoreAssetsCapitalProblem loansCompare
University of Wisconsin Credit UnionCredit union Madison, WI68 out of 100, Moderate$6.7B9.2%0.48%vs
Community First Credit UnionCredit union Appleton, WI84 out of 100, Strong$6.8B12.8%0.14%vs
Covantage Credit UnionCredit union Antigo, WI59 out of 100, Moderate$4.2B9.8%1.28%vs
Connexus Credit UnionCredit union Wausau, WI37 out of 100, Low$4.1B7.4%1.89%vs
Educators Credit UnionCredit union Racine, WI81 out of 100, Strong$4.0B13.9%0.97%vs
Landmark Credit UnionCredit union Brookfield, WI70 out of 100, Strong$7.9B10.7%0.42%vs

Deposit insurance

Is my money safe at Royal Credit Union?

Yes. Royal Credit Union is a federally insured credit union (NCUA charter #66834). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 11.2% of shares and deposits ($581.3M) are above the $250,000 NCUA insurance limit, close to the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 10.83%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

48 locations

Branches

Royal Credit Union lists 48 offices in 18 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Royal Credit Union reported 6,148 home-loan applications under HMDA (LEI 549300OZ550X4QD5PC74): 4,702 originated ($963,500,000 total), 626 denied, and 632 withdrawn or closed by the applicant. Its denial rate on decided applications was 11.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Royal Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
66834
RSSD ID
961295
Primary regulator
State + NCUA
Established
1964
Headquarters
200 Riverfront Terrace, Eau Claire, WI 54703
Employees
898

Quick answers

Royal Credit Union: common questions

Is Royal Credit Union NCUA insured?

Yes. Royal Credit Union is a federally insured credit union (NCUA charter #66834). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Royal Credit Union's TellerScore?

73 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Royal Credit Union have?

48 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Eau Claire

InstitutionScoreAssetsCapitalProblem loansCompare
Northwestern BankBank Chippewa Falls, WI80 out of 100, Strong$725.6M11.2%0.03%vs
Dairy State BankBank Rice Lake, WI80 out of 100, Strong$730.3M12.0%0.06%vs
Westconsin Credit UnionCredit union Menomonie, WI78 out of 100, Strong$2.2B12.9%0.64%vs
Wnb Financial, N.A.Bank Winona, MN76 out of 100, Strong$583.7M10.3%0.08%vs
Citizens State Bank of La CrosseBank La Crosse, WI76 out of 100, Strong$648.5M13.4%1.06%vs
Independence State BankBank Independence, WI75 out of 100, Strong$84.2M10.4%0.00%vs