ROYAL

Charter #66834 | WI

5B-7B (34 CUs) Large (64 CUs)
3 5B-7B in WI

ROYAL has 8 strengths but faces 2 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 2.3% in tier
  • + Organic Growth Engine: Top 5.4% in tier
  • + Wallet Share Momentum: Top 35.0% in tier
  • + Relationship Depth Leader: Top 35.9% 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
 71st in tier
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
 53rd in tier
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
 Top 17.6% in tier
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
 65th in tier
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
 Top 17.6% in tier
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
 29th in tier
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
 47th in tier
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
 38th in tier
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
 Top 18.8% in tier
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
 Top 25.0% in tier

Signature Analysis

Strengths (4)

Emerging Performer

growth
#3 of 31 • Top 2.3% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

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
31 of 64 Large CUs have this signature | 852 nationally
→ Stable (27→31 CUs) +4 CUs YoY | Rank improving

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

Wallet Share Momentum

growth
#42 of 46 • Top 35.0% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 1.53%
(Tier: 2.82%, National: 4.19%)
but worse than tier avg
46 of 64 Large CUs have this signature | 1330 nationally
↑ Growing +18 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#43 of 46 • Top 35.9% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 1.53%
(Tier: 2.82%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $2.6K
(Tier: $3.2K, National: $2.0K)
but worse than tier avg
46 of 64 Large CUs have this signature | 1330 nationally
↑ Growing +18 CUs YoY | Rank worsening

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)

Comparing against 34 peers in tier

Top Strengths (7 metrics)

3
Loan-to-Share Ratio
balance_sheet
Value: 97.95%
Peer Avg: 83.64%
#3 of 34 Top 5.9% in 5B-7B tier
4
Return on Assets (ROA)
profitability
Value: 1.34%
Peer Avg: 0.80%
#4 of 34 Top 8.8% in 5B-7B tier
5
First Mortgage Concentration (%)
balance_sheet
Value: 22.61%
Peer Avg: 37.88%
#5 of 34 Top 11.8% in 5B-7B tier
6
Net Interest Margin (NIM)
profitability
Value: 3.52%
Peer Avg: 2.90%
#6 of 34 Top 14.7% in 5B-7B tier
6
Total Loans
balance_sheet
Value: $4.95B
Peer Avg: $4.08B
#6 of 34 Top 14.7% in 5B-7B tier
7
Member Growth Rate
growth
Value: 5.17%
Peer Avg: 3.26%
#7 of 34 Top 17.6% in 5B-7B tier
8
Net Charge-Off Rate
risk
Value: 0.27%
Peer Avg: 0.57%
#8 of 34 Top 20.6% in 5B-7B tier

Top Weaknesses (2 metrics)

28
Indirect Auto Concentration (%)
balance_sheet
Value: 26.20%
Peer Avg: 14.61%
#28 of 34 Bottom 20.6% in 5B-7B tier
27
Share Certificate Concentration (%)
balance_sheet
Value: 38.51%
Peer Avg: 30.59%
#27 of 34 Bottom 23.5% in 5B-7B tier