Royal Credit Union Eau Claire, Wisconsin
Royal Credit Union is a state-chartered credit union headquartered in Eau Claire, WI, established in 1964 (NCUA charter 66834), and it is regulated and insured by the NCUA. At Q2 2026 it reported 342,847 members and total assets of $5.91B (up 5.3% from Q2 2025), the 5th largest of 98 credit unions headquartered in Wisconsin. Its net worth ratio was 10.83% at Q2 2026, in the well capitalized band.
Also written as Royal CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 66834
- Headquarters
- Eau Claire, WI
- Established
- 1964
- Total assets, Q2 2026
- $5.91B
- Assets vs Q2 2025
- +5.3%
- Members, Q2 2026
- 342,847
- Net worth ratio, Q2 2026
- 10.83%
- Latest call report
- Q2 2026, NCUA 5300 · Royal Credit Union call report
- Asset rank in state
- 5th of 98 in Wisconsin
- Routing number
- 291880411
- Branches
- 57
It has 12,766 more members than on June 30, 2025 (+3.9%). Its net worth ratio was up 0.88 percentage points from 9.95% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $1.65B of $5.06B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.43% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 10.83% net worth ratio is below that band's 10.89% median.
Credit unions merged into Royal Credit Union
Utilities Credit Union (2021) · Peoples Choice Credit Union (2021) · Sacred Heart Hospital Employees Credit Union (2014)
Frequently asked about Royal Credit Union
How big is Royal Credit Union?
At Q2 2026 it reported total assets of $5.91B and 342,847 members.
Where is Royal Credit Union headquartered?
It is headquartered in Eau Claire, WI, United States.
When was Royal Credit Union founded?
It was established in 1964, per NCUA records.
Is Royal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 66834): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Royal Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Royal Credit Union well capitalized?
Its net worth ratio was 10.83% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Royal Credit Union's delinquency ratio?
Its delinquency ratio was 0.43% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Royal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 97.50% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Eau Claire, WI 54703
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1964
- NCUA Charter #
- 66834
- RSSD ID
- 961295
- Members
- 342,847
- Potential members
- 4,588,402
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 5 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 10.83% | 10.89% | 49th below |
| Return on assets Middle half of peers: 0.59% to 1.25% | 1.57% | 0.89% | 87th top |
| Return on equity Middle half of peers: 5.37% to 10.92% | 14.54% | 8.07% | over 90th top |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.93% | 3.45% | 80th top |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 57.51% | 70.59% | 88th top |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 2.21% | 1.68% | 16th bottom |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.43% | 0.68% | 77th top |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 6.14% | 5.12% | over 90th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 97.50% | 88.03% | 80th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$5.91B total assets against $5.62B; $5.19B total shares and deposits against $4.98B; $5.06B total loans against $4.84B.
$640.4M net worth against $559.0M.
10.83% net worth ratio against 9.95%.
97.50% loan-to-share ratio against 97.24%.
0.43% delinquency ratio against 0.62%.
1.57% return on assets against 1.69%; 14.54% return on equity against 16.96%.
3.93% net interest margin against 3.62%.
342,847 members against 330,081.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 10.83% | 1.57% | 0.43% | 97.50% |
| March 31, 2026 | 10.46% | 1.36% | 0.54% | 95.87% |
| December 31, 2025 | 10.25% | 1.16% | 0.57% | 96.02% |
| September 30, 2025 | 10.15% | 1.48% | 0.60% | 97.95% |
| June 30, 2025 | 9.95% | 1.69% | 0.62% | 97.24% |
| March 31, 2025 | 9.78% | 0.89% | 0.47% | 97.05% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.