BlastPoint's Credit Union Scorecard

ROYAL

Charter #66834 · WI

Large 5B-7B

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

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ROYAL has 7 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 5.0% in tier
+ Organic Growth Engine: Top 5.4% in tier
+ Profitability Leader: Top 86.7% in tier
+ ROA 0.54% above tier average
+ Net Interest Margin 0.61% above tier average
+ Strong member growth: 5.2% YoY
+ Loan-to-Share Ratio: Top 5.9% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 8.2% in tier
- Indirect Auto Dependency: Bottom 19.2% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Members	335,126 +5.2% YoY+1.5% QoQ	+45.4K	289,724 -2.8% YoY	38,719 +8.7% YoY	33,089 +6.1% YoY	71%
Assets	$5.7B +6.6% YoY+1.8% QoQ	$-80.1M	$5.8B +0.2% YoY	$717.4M +12.8% YoY	$547.7M +7.8% YoY	53%
Loans	$5.0B +5.6% YoY+2.3% QoQ	+$870.2M	$4.1B -3.1% YoY	$555.6M +13.3% YoY	$388.7M +8.6% YoY	82%
Deposits	$5.1B +8.0% YoY+1.6% QoQ	+$168.2M	$4.9B +2.2% YoY	$603.1M +13.2% YoY	$464.6M +9.3% YoY	65%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.3% +49.7% YoY+3.7% QoQ	+0.5%	0.8% +15.5% YoY	0.7% -20.1% YoY	0.7% +273.4% YoY	Top 11.8% in tier
NIM	3.5% +14.0% YoY+1.9% QoQ	+0.6%	2.9% +3.9% YoY	3.5% -0.2% YoY	3.7% +5.0% YoY	82%
Efficiency Ratio	63.4% -4.6% YoY-2.0% QoQ	-4.7%	68.1% -1.7% YoY	74.2% -2.5% YoY	79.1% -3.3% YoY	29%
Delinquency Rate	0.6% -9.7% YoY-2.8% QoQ	-0.0	0.6% -2.2% YoY	1.0% +20.8% YoY	1.2% -0.9% YoY	47%
Loan To Share	98.0% -2.3% YoY+0.7% QoQ	+14.3%	83.6% -5.7% YoY	80.3% +0.1% YoY	68.0% -1.7% YoY	Top 8.8% in tier
AMR	$29,867 +1.5% YoY+0.4% QoQ	$-5K	$34,398 +4.0% YoY	$22,950 +4.4% YoY	$19,418 +1.3% YoY	38%
CD Concentration	38.5% +0.4% YoY-0.1% QoQ	+9.6%	28.9% -1.3% YoY	21.1% +6.2% YoY	19.6% +6.2% YoY	81%
Indirect Auto %	26.2% -3.8% YoY-0.5% QoQ	+9.6%	16.6% -10.3% YoY	8.1% -7.1% YoY	7.9% -2.9% YoY	75%

Signature Analysis

Strengths (3)

Emerging Performer

growth

#2 of 21 • Top 5.0% 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: 1.34%

(Tier: 0.91%, National: 0.71%)

better than tier avg

Member Growth (YoY): 5.17%

(Tier: 3.07%, National: 9.37%)

better than tier avg

21 of 64 Large CUs have this signature | 288 nationally

→ Stable (17→21 CUs) +4 CUs YoY

Organic Growth Engine

growth

#9 of 50 • Top 5.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 5.17%

(Tier: 3.07%, National: 9.37%)

better than tier avg

Return on Assets: 1.34%

(Tier: 0.91%, National: 0.71%)

better than tier avg

Indirect Auto %: 26.20%

(Tier: 16.60%, National: 7.90%)

but worse than tier avg

50 of 64 Large CUs have this signature | 917 nationally

→ Stable (52→50 CUs) -2 CUs YoY | Rank improving

Profitability Leader

growth

#14 of 16 • Top 86.7% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.34%

(Tier: 0.91%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.45% points

(Tier: 0.13% points, National: 0.05% points)

better than tier avg

16 of 64 Large CUs have this signature | 457 nationally

→ Stable (15→16 CUs) +1 CUs YoY | New qualifier

Concerns (2)

Liquidity Strain

risk

#8 of 32 • Bottom 8.2% in tier

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

Why This Signature

Loan-to-Share Ratio: 97.95%

(Tier: 84.48%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 5.55%

(Tier: 4.99%, National: 36.38%)

but better than tier avg

32 of 64 Large CUs have this signature | 484 nationally

→ Stable (27→32 CUs) +5 CUs YoY

Indirect Auto Dependency

risk

#20 of 33 • Bottom 19.2% in tier

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

Why This Signature

Asset Growth (YoY): 6.56%

(Tier: 4.60%, National: 3.04%)

but better than tier avg

Indirect Auto %: 26.20%

(Tier: 16.60%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 5.17%

(Tier: 3.07%, National: 9.37%)

but better than tier avg

33 of 64 Large CUs have this signature | 768 nationally

→ Stable (34→33 CUs) -1 CUs YoY | Rank worsening

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 34 peers in tier

Top Strengths (7 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 97.95%

Peer Avg: -

#3 of 34 Top 5.9% in 5B-7B tier

Return on Assets (ROA)

profitability

Value: 1.34%

Peer Avg: -

#4 of 34 Top 8.8% in 5B-7B tier

First Mortgage Concentration (%)

balance_sheet

Value: 22.61%

Peer Avg: -

#5 of 34 Top 11.8% in 5B-7B tier

Net Interest Margin (NIM)

profitability

Value: 3.52%

Peer Avg: -

#6 of 34 Top 14.7% in 5B-7B tier

Total Loans

balance_sheet

Value: $4.95B

Peer Avg: -

#6 of 34 Top 14.7% in 5B-7B tier

Member Growth Rate

growth

Value: 5.17%

Peer Avg: -

#7 of 34 Top 17.6% in 5B-7B tier

Net Charge-Off Rate

risk

Value: 0.27%

Peer Avg: -

#8 of 34 Top 20.6% in 5B-7B tier

Top Weaknesses (2 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 26.20%

Peer Avg: -

#28 of 34 Bottom 20.6% in 5B-7B tier

Share Certificate Concentration (%)

balance_sheet

Value: 38.51%

Peer Avg: -

#27 of 34 Bottom 23.5% in 5B-7B tier