Credit Union Safety Analysis
Is Royal Credit Union Safe? Eau Claire, Wisconsin
Based on its Q2 2026 NCUA 5300 call report, Royal Credit Union has a net worth ratio of 10.83%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.43%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Royal Credit Union's net worth ratio is 10.83%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.83%
- Delinquency ratio (60+ days) (Q2 2026): 0.43%
- Return on assets (Q2 2026): 1.57%
- Loan-to-share ratio (Q2 2026): 97.50%
Royal Credit Union (NCUA charter 66834, established 1964) reported $5.91B in assets and 342,847 members for Q2 2026 from Eau Claire, Wisconsin. It ranks 5 of 98 credit unions in Wisconsin by total assets. Total assets grew 5.3% from $5.62B on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 10.46% for Q1 2026; 9.95% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.54% for Q1 2026; 0.62% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 1.36% for Q1 2026; 1.69% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 95.87% for Q1 2026; 97.24% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $1.65B
- Commercial loans: $1.51B
- Used vehicle loans: $1.38B
- Other secured non-real estate loans and lines of credit: $182.9M
- New vehicle loans: $149.9M
- Unsecured credit card loans: $110.7M
- Other unsecured loans and lines of credit: $66.7M
- Non-federally guaranteed student loans: $8.2M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $5.91B | 10.83% | 0.43% | 1.57% | 97.50% |
| March 31, 2026 | $5.90B | 10.46% | 0.54% | 1.36% | 95.87% |
| December 31, 2025 | $5.83B | 10.25% | 0.57% | 1.16% | 96.02% |
| September 30, 2025 | $5.71B | 10.15% | 0.60% | 1.48% | 97.95% |
| June 30, 2025 | $5.62B | 9.95% | 0.62% | 1.69% | 97.24% |
| March 31, 2025 | $5.47B | 9.78% | 0.47% | 0.89% | 97.05% |
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Free to use. It shows Royal Credit Union’s latest filed figures and updates each quarter.
How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Regulator records: NCUA credit union profile (charter 66834) · FFIEC NIC profile (RSSD 961295)
Frequently asked questions
Is Royal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Royal Credit Union's net worth ratio is 10.83%, above the 7% NCUA threshold for well capitalized.
Is Royal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Royal Credit Union is a federally insured credit union (NCUA charter 66834): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Royal Credit Union's key safety ratios?
For Q2 2026, Royal Credit Union reports net worth 10.83%, delinquency 0.43%, ROA 1.57%, loan-to-share 97.50%.
What happens to my money if Royal Credit Union fails?
For Q2 2026, Royal Credit Union held $5.19B in shares and deposits for 342,847 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.