BlastPoint's Credit Union Scorecard

ROYAL

Charter #66834 · WI

Large 5B-7B

35 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

+ Wallet Share Momentum: Top 42.1% in tier
+ ROA 0.46% above tier average
+ Net Interest Margin 0.48% above tier average

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 11.8% in tier
- Liquidity Strain: Bottom 34.4% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Members	321,219 0% YoY-4.1% QoQ	+28.9K	292,342 -2.4% YoY	38,882 +6.1% YoY	33,374 +5.7% YoY	66%
Assets	$5.8B +9.3% YoY+2.0% QoQ	+$81.4M	$5.7B -0.2% YoY	$734.5M +12.6% YoY	$561.6M +9.7% YoY	57%
Loans	$5.0B +5.6% YoY-0.1% QoQ	+$785.2M	$4.2B -1.6% YoY	$568.1M +11.9% YoY	$397.0M +8.8% YoY	80%
Deposits	$5.2B +9.1% YoY+2.0% QoQ	+$307.9M	$4.8B +0.4% YoY	$617.8M +12.3% YoY	$477.3M +9.7% YoY	66%

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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% +31.8% YoY-4.6% QoQ	+0.5%	0.8% +27.9% YoY	0.9% +14.0% YoY	0.7% +15.9% YoY	80%
NIM	3.5% +12.8% YoY+0.2% QoQ	+0.5%	3.0% +8.0% YoY	3.7% +4.8% YoY	3.8% +5.1% YoY	71%
Efficiency Ratio	63.3% -3.7% YoY-0.2% QoQ	-4.0%	67.3% -3.7% YoY	75.8% -1.1% YoY	79.7% -3.3% YoY	34%
Delinquency Rate	0.6% -2.0% YoY-3.9% QoQ	-0.2	0.8% +17.5% YoY	1.5% +86.3% YoY	1.3% -2.1% YoY	34%
Loan To Share	96.0% -3.2% YoY-2.0% QoQ	+10.1%	85.9% -2.6% YoY	80.0% -0.6% YoY	67.4% -1.7% YoY	83%
AMR	$31,460 +7.4% YoY+5.3% QoQ	$-3K	$34,289 +3.5% YoY	$23,366 +4.9% YoY	$19,687 +2.0% YoY	49%
CD Concentration	38.4% -0.7% YoY-0.2% QoQ	+9.3%	29.1%	21.5%	19.8%	82%
Indirect Auto %	25.5% -4.1% YoY-2.5% QoQ	+8.5%	17.1%	8.0%	7.8%	73%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#9 of 20 • Top 42.1% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 7.36%

(Tier: 3.92%, National: 4.00%)

better than tier avg

20 of 68 Large CUs have this signature | 662 nationally

↑ Growing +11 CUs YoY | New qualifier

Concerns (2)

Indirect Auto Dependency

risk

#5 of 35 • Bottom 11.8% in tier

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

Why This Signature

Asset Growth (YoY): 9.34%

(Tier: 8.38%, National: 3.54%)

but better than tier avg

Indirect Auto %: 25.54%

(Tier: 17.09%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 0.00%

(Tier: 4.35%, National: 4.32%)

worse than tier avg

35 of 68 Large CUs have this signature | 745 nationally

→ Stable (35→35 CUs) | Rank improving

Liquidity Strain

risk

#12 of 33 • Bottom 34.4% in tier

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

Why This Signature

Loan-to-Share Ratio: 96.02%

(Tier: 84.88%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 5.62%

(Tier: 6.96%, National: 111.96%)

worse than tier avg

33 of 68 Large CUs have this signature | 439 nationally

↑ Growing +6 CUs YoY

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 35 peers in tier

Top Strengths (6 metrics)

AMR Growth Rate

growth

Value: 7.36%

Peer Median: -

#5 of 35 Top 11.4% in 5B-7B tier

Loan-to-Share Ratio

balance_sheet

Value: 96.02%

Peer Median: -

#6 of 35 Top 14.3% in 5B-7B tier

Return on Assets (ROA)

profitability

Value: 1.28%

Peer Median: -

#7 of 35 Top 17.1% in 5B-7B tier

Net Charge-Off Rate

risk

Value: 0.31%

Peer Median: -

#7 of 35 Top 17.1% in 5B-7B tier

Total Loans

balance_sheet

Value: $4.95B

Peer Median: -

#7 of 35 Top 17.1% in 5B-7B tier

First Mortgage Concentration (%)

balance_sheet

Value: 23.21%

Peer Median: -

#7 of 35 Top 17.1% in 5B-7B tier

Top Weaknesses (2 metrics)

Member Growth Rate

growth

Value: 0.00%

Peer Median: -

#29 of 35 Bottom 20.0% in 5B-7B tier

Share Certificate Concentration (%)

balance_sheet

Value: 38.43%

Peer Median: -

#28 of 35 Bottom 22.9% in 5B-7B tier