Royal

EAU CLAIRE, WI · 2 · Charter #66834 · www.rcu.org
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$5.8B
89th percentile
Members
321,219
89th percentile
Total loans
$5.0B
92th percentile
Total shares
$5.2B
90th percentile

Profitability

Return on assets
1.35%
76th percentile
Net interest margin
3.49%
69th percentile
Efficiency ratio
42.46%
84th percentile
Non-interest income ratio
16.16%
33th percentile

Capital & Risk

Net worth ratio
10.25%
39th percentile
Delinquency rate
0.57%
64th percentile
Net charge-off rate
0.31%
77th percentile
Loan-to-share
96.02%
71th percentile

Growth

Member growth YoY
0.00%
25th percentile
Asset growth YoY
9.34%
78th percentile
Loan growth YoY
5.62%
54th percentile
Share growth YoY
9.09%
77th percentile

Operations

Members / branch
5,736
27th percentile
Assets / member
$18,140
52th percentile
Field of membership penetration
6.97%
57th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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