State credit union · EAU CLAIRE, Wisconsin · NCUA charter #66834
ROYAL
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $5.83B
- Total assets
- 321,219
- Members
- 10.5%
- Net-worth ratio
ROYAL scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $5.83B; members 321,219; net-worth ratio 10.46%; health rank #977 of 4,374; healthier than 77th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#977 of 4,374 health · 2025Q4ROYAL · health 91/100 · $5.83B · 2025Q4
Call Report peers
ROYAL in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
ROYAL vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); ROYAL sits in 90-94 with 747 others.
91 Top 23% higher than 77% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
ROYAL vs Over $500M peers
- Loan-to-Share Ratio leads the peer set - 96.02% here, 83.90% peer average (+12.12 pp).
- Widest shortfall vs peers is Net Worth Ratio: -0.72 pp (10.46% vs 11.18%).
ROYAL: in-state Call Report ranks
- Wisconsin health ordinal: #35 of 100.
- By total assets, ROYAL is #5 of 100 in Wisconsin.
- Wisconsin membership ordinal: #4 of 100.
- One place up in Wisconsin, Holy Redeemer Community of Se Wis. (#34) ties at 91/100; one place down, SUMMIT (#36) ties at 91/100.
Quarter path for ROYAL
ROYAL: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.2% from $5.83B (2025Q4) to $5.90B (2026Q1).
- Net-worth ratio shifted +0.21 pp (10.25% → 10.46%).
This credit union's 10.46% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 91/100 score is built
ROYAL gives up 9 points in total. Member Growth costs the most, 6 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.3 pts
- Return on Assets 15.0 pts
- Member Growth 9.0 pts
- Loan-to-Share Ratio 12.7 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.46% | -0.72 pp |
| Delinquency Rate | 0.57% | -0.30 pp |
| Return on Assets | 0.89% | +0.38 pp |
| Member Growth | 0.00% | - |
| Loan-to-Share Ratio | 96.02% | +12.12 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
ROYAL filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $5.90B | - |
| 2025Q4 | $5.83B | 321,219 |
| 2024Q4 | $5.33B | 321,219 |
| 2023Q4 | $5.18B | 308,675 |
Credit Union Details
- Charter Number
- 66834
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Wisconsin
- City
- EAU CLAIRE
- Data Quarter
- 2025Q4
Branch Locations (57)
ROYAL operates 57 offices across 23 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Corporate Center (Main Office) | Eau Claire, WI |
| Altoona Office | Altoona, WI |
| Apple Valley Office | Apple Valley, MN |
| Lake Area Mortgage | Arden Hills, MN |
| Unity Elementary-MS-HS RCU | Balsam Lake, WI |
| Chippewa Falls South Office | Chippewa Falls, WI |
| Chippewa Falls Downtown Office | Chippewa Falls, WI |
| Halmstead Elementary RCU | Chippewa Falls, WI |
| Parkview Elementary RCU | Chippewa Falls, WI |
| Southview Elementary RCU | Chippewa Falls, WI |
| Hillcrest Elementary RCU | Chippewa Falls, WI |
| Chippewa Falls Middle School RCU | Chippewa Falls, WI |
| Stillson Elementary RCU | Chippewa Falls, WI |
| Colby Office | Colby, WI |
| Colby HS RCU | Colby, WI |
| Colby Middle School RCU | Colby, WI |
| Colby Elementary RCU | Colby, WI |
| Eau Claire West Office | Eau Claire, WI |
| Mortgage Operations Center | Eau Claire, WI |
| Eau Claire Southwest Office | Eau Claire, WI |
| Eau Claire South Office | Eau Claire, WI |
| Eau Claire Downtown Office | Eau Claire, WI |
| Meadowview Elementary RCU | Eau Claire, WI |
| Locust Lane Elementary RCU | Eau Claire, WI |
| Robbins Elementary RCU | Eau Claire, WI |
| Putnam Heights Elementary RCU | Eau Claire, WI |
| Memorial HS RCU | Eau Claire, WI |
| North HS RCU | Eau Claire, WI |
| Northstar Middle School RCU | Eau Claire, WI |
| Sherman Elementary RCU | Eau Claire, WI |
| Roosevelt Elementary RCU | Eau Claire, WI |
| Flynn Elementary RCU | Eau Claire, WI |
| Manz Elementary RCU | Eau Claire, WI |
| South Middle School RCU | Eau Claire, WI |
| Edina Office | Edina, MN |
| Hudson Office | Hudson, WI |
| Hugo Office | Hugo, MN |
| Inver Grove Heights Office | Inver Grove Heights, MN |
| Medford Office | Medford, WI |
| Menomonie North Office | Menomonie, WI |
| Menomonie East Office | Menomonie, WI |
| New Richmond | New Richmond, WI |
| Osceola Office | Osceola, WI |
| Rice Lake Office | Rice Lake, WI |
| Hilltop Elementary RCU | Rice Lake, WI |
| Tainter Elementary RCU | Rice Lake, WI |
| River Falls Office | River Falls, WI |
| Rocky Branch Elementary RCU | River Falls, WI |
| St. Croix Falls Office | Saint Croix Falls, WI |
| St. Croix Falls Middle School RCU | Saint Croix Falls, WI |
| St. Croix Falls High School RCU | Saint Croix Falls, WI |
| St. Croix Falls Elementary RCU | Saint Croix Falls, WI |
| St. Paul Office | Saint Paul, MN |
| Somerset Office | Somerset, WI |
| Stillwater Office | Stillwater, MN |
| White Bear Lake Office | White Bear Lake, MN |
| Whitehall Office | Whitehall, WI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Wisconsin
Other federally-insured credit unions in Wisconsin, closest first by peer group and asset size.
ROYAL nationwide neighbourhoods
Using this data
- ROYAL ranks #977 of 4,374 nationally on financial health and #35 of 100 in WI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- University of Wisconsin is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with University of Wisconsin
Frequently Asked Questions
Is ROYAL financially healthy?
ROYAL has a financial health score of 91/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #977 of 4,374 nationally on health and #35 of 100 in Wisconsin. Its net worth ratio is 10.46% and its delinquency rate 0.57%.
How does ROYAL compare to other credit unions?
ROYAL scores 91/100, higher than 77% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (96.02% vs 83.90%). Its widest shortfall is net worth ratio (10.46% vs 11.18%).
How can I join ROYAL?
Membership eligibility for ROYAL depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact ROYAL directly for current membership requirements and application steps.
Is my money safe at ROYAL?
ROYAL is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. ROYAL's net worth ratio of 10.46% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.