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
- DELQ 91/100
- ROA 10.5%
- ASSETS 0.57%
- MEM 0.89%
- RANK $5.83B
- PHOTO 321,219
- BOOK #977/4,374
- CHARTER State Employees Cu of Maryland, Inc
- NCUSIF 66834
Call Report peers
ROYAL in the assets neighbourhood
ROYAL's $5.83B assets sit next to State Employees Cu of Maryland, Inc ($5.77B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
91 Top 23% higher than 77% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
ROYAL - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #66834. See our deposit-insurance coverage note.
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%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for WI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for ROYAL
ROYAL: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.2% from $5.83B (2025Q4) to $5.90B (2026Q1).
- Net-worth ratio shifted +0.21 pp (10.25% → 10.46%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Cross-state asset and health neighbours for ROYAL - kept outside Wisconsin; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($5.83B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Wisconsin credit unions compare overall before assuming this one is typical. Wisconsin state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is ROYAL financially healthy?
ROYAL scores 91/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #977 of 4,374; by total assets it ranks #69 of 4,374 nationally (same basis as /rankings/largest); and #5 of 100 within Wisconsin. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 10.46% net worth ratio and a 0.57% delinquency rate.
How does ROYAL compare to other credit unions?
91/100 is ROYAL's score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like ROYAL are 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."
What rates does ROYAL offer compared to banks?
Credit unions like ROYAL are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact ROYAL directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.