BlastPoint's Credit Union Scorecard
ROYAL
Charter #66834 · WI
ROYAL has 3 strengths but faces 2 concerns
How does the industry compare?
What's your peer group doing?
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
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 39 credit unions with $5B-$7B in assets nationally, and 1 of 3 that size in Wisconsin.
- Shares and deposits +4.2% year over year ($5.19B in shares and deposits).
- Membership: 342,847 members, +3.9% vs a year ago.
- Delinquency rate 0.43%.
- Return on assets 1.47%.
- Efficiency ratio 60.26% vs a 65.18% peer average.
- Loan-to-share ratio 97.50% vs a 85.64% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
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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| 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
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (2)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)