ROYAL
Charter #66834 · EAU CLAIRE, WI · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 339,177 ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.37% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.29% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 81st percentile but its structural peers at the 62nd — a 19-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | ROYAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $5.90B | 86th pct | 77th pct |
| Members | 339,177 | 87th pct | 84th pct |
| Net worth ratio | 10.46% | 43th pct | 46th pct |
| Return on average assets | 1.37% | 88th pct | 80th pct |
| Net interest margin | 3.48% | 58th pct | 62th pct |
| Cost of funds | 2.55% | 87th pct | 70th pct |
| Loan-to-share | 95.87% | 81th pct | 62th pct |
| Delinquency 60+ days | 0.54% | 41th pct | 43th pct |
| Net charge-off ratio | 0.29% | 23th pct | 21th pct |
| Loan growth YoY | 0.83% | 38th pct | 32th pct |
| Share growth YoY | 3.02% | 31th pct | 25th pct |
| Efficiency ratio | 63.44% | 20th pct | 33th pct |
structural peer set hash: 7f53230d01745f83b8354f95a9f65e7d… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.