BlastPoint's Credit Union Scorecard

ROYAL

Charter #66834 · WI

Large 5B-7B

Royal CU at VentureTech 2026 · Fort Worth

YOU MADE THE SET.

Royal CU is one of 101 credit unions in the 2026 VentureTech card set. We also found Royal CU's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.

2026 CU
CARD SET

VENTURETECH EDITION

Royal CU

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ROYAL CU
PEER · AT VENTURETECH
PEER · AT VENTURETECH
ROYAL CU'S BIGGEST OPPORTUNITY

39 CUs in 5B-7B nationally 3 in WI

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ROYAL has 3 strengths but faces 2 concerns

National Analysis

How does the industry compare?

Large Tier

What's your peer group doing?

WI Analysis

How does WI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Emerging Performer: Top 13.6% in tier
+ ROA 0.54% above tier average
+ Net Interest Margin 0.49% above tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 15.2% in tier
- Indirect Auto Dependency: Bottom 53.1% in tier

WORLD 1 · VENTURETECH

The real pack is waiting in Fort Worth

1 CLEAR Your card arrived By email from Collier at BlastPoint
2 YOU ARE HERE Open your pack Right here on your Scorecard
3 BOSS LEVEL Grab the real pack At the BlastPoint booth
4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report

ADMIT ONE · PLAYER 1

Your printed pack

Where: The BlastPoint booth, Omni Fort Worth
Expo hall: Mon Nov 16 and Tue Nov 17

Pick a time to meet

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Members	342,847 +3.9% YoY+1.1% QoQ	+31.9K	310,918 +6.0% YoY	40,085 +5.1% YoY	34,678 +6.6% YoY	69%
Assets	$5.9B +5.3% YoY+0.2% QoQ	+$123.5M	$5.8B -1.1% YoY	$782.0M +12.1% YoY	$593.1M +10.2% YoY	64%
Loans	$5.1B +4.5% YoY+1.3% QoQ	+$858.7M	$4.2B -0.7% YoY	$600.2M +11.1% YoY	$418.6M +10.1% YoY	77%
Deposits	$5.2B +4.2% YoY-0.4% QoQ	+$293.8M	$4.9B -1.3% YoY	$658.6M +12.2% YoY	$504.8M +10.3% YoY	72%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.5% +13.5% YoY+7.7% QoQ	+0.5%	0.9% +35.3% YoY	1.0% +81.4% YoY	1.2% +121.4% YoY	Top 12.8% in tier
NIM	3.7% +7.1% YoY+6.9% QoQ	+0.5%	3.2% +9.5% YoY	3.7% +9.7% YoY	3.8% +2.3% YoY	72%
Efficiency Ratio	60.3% -6.8% YoY-5.0% QoQ	-4.9%	65.2% -9.0% YoY	75.5% -0.0% YoY	83.0% -5.3% YoY	28%
Delinquency Rate	0.4% -30.3% YoY-20.6% QoQ	-0.4	0.8% +23.8% YoY	0.8% -17.5% YoY	1.3% +2.6% YoY	20%
Loan To Share	97.5% +0.3% YoY+1.7% QoQ	+11.9%	85.6% -0.2% YoY	79.3% -0.8% YoY	66.4% -1.4% YoY	85%
AMR	$29,890 +0.5% YoY-0.6% QoQ	$-2K	$32,010 -7.3% YoY	$24,272 +7.8% YoY	$20,028 -0.9% YoY	51%
CD Concentration	35.1% -8.8% YoY-4.3% QoQ	+6.8%	28.3%	21.6%	20.0%	80%
Indirect Auto %	24.8% -5.9% YoY-0.7% QoQ	+8.0%	16.8%	8.4%	7.7%	71%

Signature Analysis

Strengths (1)

Emerging Performer

growth

#6 of 19 • Top 13.6% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.47%

(Tier: 0.96%, National: 1.23%)

better than tier avg

Member Growth (YoY): 3.87%

(Tier: 4.24%, National: 15.67%)

but worse than tier avg

19 of 67 Large CUs have this signature | 283 nationally

→ Stable (18→19 CUs) +1 CUs YoY | Rank worsening

Concerns (2)

Liquidity Strain

risk

#10 of 28 • Bottom 15.2% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 97.50%

(Tier: 84.03%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 4.49%

(Tier: 7.79%, National: 78.26%)

worse than tier avg

28 of 67 Large CUs have this signature | 432 nationally

→ Stable (27→28 CUs) +1 CUs YoY

Indirect Auto Dependency

risk

#19 of 35 • Bottom 53.1% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 5.30%

(Tier: 8.71%, National: 3.30%)

worse than tier avg

Indirect Auto %: 24.80%

(Tier: 16.81%, National: 7.71%)

worse than tier avg

Member Growth (YoY): 3.87%

(Tier: 4.24%, National: 15.67%)

worse than tier avg

35 of 67 Large CUs have this signature | 714 nationally

→ Stable (33→35 CUs) +2 CUs YoY | Rank improving

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)

Compare against:

Comparing against 39 peers in tier

Top Strengths (5 metrics)

Return on Assets (ROA)

profitability

Value: 1.47%

Peer Median: 0.85%

#5 of 39 Top 10.3% in 5B-7B tier

Loan-to-Share Ratio

balance_sheet

Value: 97.50%

Peer Median: 89.91%

#6 of 39 Top 12.8% in 5B-7B tier

First Mortgage Concentration (%)

balance_sheet

Value: 24.19%

Peer Median: 34.95%

#8 of 39 Top 17.9% in 5B-7B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.43%

Peer Median: 0.67%

#9 of 39 Top 20.5% in 5B-7B tier

Total Loans

balance_sheet

Value: $5.06B

Peer Median: $4.31B

#9 of 39 Top 20.5% in 5B-7B tier

Top Weaknesses (1 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 35.14%

Peer Median: 29.09%

#31 of 39 Bottom 23.1% in 5B-7B tier