BlastPoint's Credit Union Scorecard
ROYAL
Charter #66834 · WI
ROYAL has 3 strengths but faces 4 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 18.2% in tier
- + ROA 0.51% above tier average
- + Net Interest Margin 0.30% above tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 13.6% in tier
- - Credit Quality Pressure: Bottom 32.8% in tier
- - Indirect Auto Dependency: Bottom 34.4% in tier
- - Credit Risk Growth: Bottom 37.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
339,177
+4.5% YoY+5.6% QoQ
|
+31.4K |
307,793
+7.6% YoY
|
39,491
+5.5% YoY
|
33,913
+5.7% YoY
|
70% |
| Assets |
$5.9B
+7.8% YoY+1.2% QoQ
|
+$129.2M |
$5.8B
-0.2% YoY
|
$762.9M
+12.1% YoY
|
$578.3M
+9.0% YoY
|
62% |
| Loans |
$5.0B
+5.9% YoY+0.9% QoQ
|
+$838.9M |
$4.2B
+0.4% YoY
|
$579.7M
+11.3% YoY
|
$402.4M
+8.7% YoY
|
81% |
| Deposits |
$5.2B
+7.2% YoY+1.0% QoQ
|
+$313.5M |
$4.9B
+0.2% YoY
|
$643.6M
+11.9% YoY
|
$494.3M
+9.1% YoY
|
68% |
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| ROA |
1.4%
+51.0% YoY+6.6% QoQ
|
+0.5% |
0.9%
+47.0% YoY
|
0.3%
+1.8% YoY
|
0.4%
-39.2% YoY
|
81% |
| NIM |
3.5%
+4.0% YoY-1.9% QoQ
|
+0.3% |
3.2%
+9.8% YoY
|
3.4%
+8.2% YoY
|
3.8%
+4.1% YoY
|
70% |
| Efficiency Ratio |
63.4%
-9.0% YoY+0.2% QoQ
|
-3.1% |
66.6%
-11.0% YoY
|
77.2%
-0.5% YoY
|
84.6%
+2.8% YoY
|
38% |
| Delinquency Rate |
0.5%
+15.0% YoY-6.0% QoQ
|
-0.2 |
0.7%
+23.3% YoY
|
0.7%
-8.9% YoY
|
1.2%
+3.4% YoY
|
35% |
| Loan To Share |
95.9%
-1.2% YoY-0.2% QoQ
|
+11.1% |
84.7%
-0.7% YoY
|
78.6%
-0.5% YoY
|
65.6%
-1.4% YoY
|
Top 13.5% in tier |
| AMR |
$30,081
+1.9% YoY-4.4% QoQ
|
$-2K |
$32,237
-7.3% YoY
|
$24,071
+7.1% YoY
|
$19,920
+1.6% YoY
|
51% |
| CD Concentration |
36.7%
-3.8% YoY-4.4% QoQ
|
+8.1% | 28.6% | 21.6% | 19.8% | 83% |
| Indirect Auto % |
25.0%
-5.0% YoY-2.2% QoQ
|
+8.6% | 16.4% | 8.0% | 7.7% | 76% |
Signature Analysis
Strengths (1)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (4)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)