# ROYAL
EAU CLAIRE, WI · NCUA charter 66834 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/royal-66834

Who the members are: state charter, organized 1964. 339,177 members of 4,592,804 potential (7.4% of the field); checking penetration 53% (share draft accounts per 100 members); loans per 100 members 69.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $5.90B |
| Members | 339,177 (4.5% YoY) |
| Full-time staff | 828 |
| Net worth | $617.1M |
| Net worth ratio | 10.5% (p44 of band) |
| ROA (annualized) | 1.36% (p89 of band) |
| Total delinquency | 0.54% (p42 of band) |
| Net charge-offs (annualized) | 0.29% (p24 of band) |
| Loans / shares | 96% (p81 of band) |
| Cash / assets | 9.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.46% (p59 of band) |
| Operating expense / assets | 2.90% (p32 of band) |
| Vehicles % of loans | 30% (p60 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 83% |
| Third-party paper % of net worth | 217% (p70 of band) |
| Vehicle delinquency | 0.36% (p23 of band) |
| Vehicle NCO | 0.97% (p50 of band) |
| Repossessed % of vehicle book | 0.03% (p32 of band) |
| Real estate % of loans | 32% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 249% |
| Core shares % of member funds | 38% |
| Certificates % of member funds | 37% |
| Average share balance | $7,785 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $5.6M |
| Loans outstanding per 100 members | 69% |
| Loans granted per 100 members, annualized | 15% |
| Average loan balance | $21,432 |
| Loans granted, annualized | $2.09B |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $5.6M outstanding purchased (0.9% of net worth), $254,291 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 7.2% year over year.

## Flags firing in the latest filing

- **loans>95% of shares** (`str_ltos`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | loans>95% of shares, 3rd-party paper>100% NW |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 3 | net worth falling |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 2 |  | loans>95% of shares |
| 2017-06 | 2 | loans>95% of shares | net worth falling |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | delinquency rising |  |
| 2018-06 | 4 | net worth falling |  |
| 2018-09 | 3 |  | net worth falling |
| 2018-12 | 3 |  |  |
| 2019-03 | 2 |  | delinquency rising |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 3 | net worth falling |  |
| 2020-03 | 3 | charge-offs p90 | net worth falling |
| 2020-06 | 2 | margin squeeze | loans>95% of shares, charge-offs p90 |
| 2020-09 | 2 |  |  |
| 2020-12 | 1 |  | margin squeeze |
| 2021-03 | 2 | net worth falling |  |
| 2021-06 | 1 |  | net worth falling |
| 2021-09 | 2 | delinquency rising |  |
| 2021-12 | 1 |  | delinquency rising |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 2 | net worth falling |  |
| 2022-12 | 2 | loans>95% of shares | net worth falling |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | net worth falling |  |
| 2024-03 | 2 |  | net worth falling |
| 2024-06 | 2 |  |  |
| 2024-09 | 3 | delinquency rising |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 2 |  | delinquency rising |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-01-26 [Community Capital: How Credit Unions and Universities Partner to Strengthen Wisconsin - Universities of Wisconsin](https://news.google.com/rss/articles/CBMizwFBVV95cUxNTHV1UmxibmNYUU4yU1lTTDNGSXMyNDVfZGY5NjRtcjFXUjdqek5yWWkxdFV5RHhBbS1QYnMzVndCcW5xRExjWlZnUVQ5UlhXSldYMzhkTVcxNHg1d3FtQ1lVejJaV3FjVVJaalBfS1VxejgwWDUzdmNtN2ZSSnRmcmpoQ05UM20zUHpEQlprNG5pTXRYSmtxbVBORENXLTlFMk90UmZuenFrbzEyS1lCT0hOUjQyQ1dzQ2RyYVlSSWZrakxtWVc1OHB2Y2RKYVE?oc=5) · Universities of Wisconsin
- 2026-07-07 [Royal Credit Union to Launch Small Business Grant program - WEAU](https://news.google.com/rss/articles/CBMikAFBVV95cUxOeWNGMlRiM2hxYjE5eUZpOXRvY251SFBPRWpIVTN3N3NQdF9mZ2JIZ0wyZEFwbE82OXNheWdBV2k0aXNWaDZXOHNoMmxLc0pWRnVzX3JvVXB2T0xYZjdwaXlXbl8zMG5WZV9RT0IxN1lVNmlPb0Y5WHJLNnRPckxfTmExZlVKSjVueWFoNUtqbmTSAaQBQVVfeXFMT3NwVDc5T0pObFFpOFgyWng2ampYTTZpZEcwVlBxYUFKQ21rQlZ2aGpQTmg2NjFpSm43UDZuMTY2RTNxd0FOLTRWMzB2QVpWVW5ick1YQTdKbUtJOHRTaEUxX1ZNYTQ4a01KckRqZDVxck9tcjdydjhlY0l2SG11RUNFREdxOUxFT2gtWC1sVGRId0FOWUNtdExJUDc2QlBGRkY5b1c?oc=5) · WEAU
- 2026-07-02 [Royal Credit Union, Tractor Supply Co. Add To Chippewa Crossing Growth - Volume One](https://news.google.com/rss/articles/CBMi0wFBVV95cUxPMllKWGFvdzBNdEdnSXlaT0dlM1NYMmZtM3RNbDBpZU5YeE9Ndlh6dXBQVkhLVktQWk05YmFJX0xLZjZvTklhaXFST2JWaTVqanNHeXI3WlpoYWNycG1rYVVOb1E3U203ZjBqVTJScVlwYkVTRjRxMEY0eU5JSG5vWUJxNWpqOXdJTXEwSGJod3ZRN1RsMjRTMTVHRTZ5ZDI3VTRLSDEydDVGVWlSNndhYmFqbjJXV0c0NFRfbV9UbEhfV2VBX1BGSGhpb1Q2N0tLdkxJ?oc=5) · Volume One
- 2026-06-25 [Royal Credit Union donates $100k to Western Dairyland - WEAU](https://news.google.com/rss/articles/CBMiigFBVV95cUxQWkE3N0pWS2JXR1pkbkZoeXYzTVN5dk1MUnF0YlZLVlVPMERGb3dKaVdJenJJTTBWbFY0Y2hEVGZWMHZGVEsxS3JZVWM5Qm9pUVVPSzhBYmpDcV9MREFGTzZIcG5MS01iaWdtUTAzWHd6UzNfZVRxYkdGUUdET2pBc010RW1FdjBzS2fSAZ4BQVVfeXFMTUNCYnotdVFwNmdVbVVXazc5eUJGTDdKZzFWUERHZ3EwVlE0VUNvZXl3dUUxS0EyQVAtYWVMNGtEeHZCcUp6VFhMcDBoWi0wMVhXNlRBM1pIUVVXazJ4VFpZY0Nmc1hrQnh0Ujl6ME9zOExIbmwtZlRDSXBuQnV3QkxhOEpGd0JYY1hnMEZ0ZXkwTjJycUc2ZS16WnpsWFE?oc=5) · WEAU
- 2022-03-14 [Royal Credit Union announces new EVP-Chief Technology Officer - CUInsight](https://news.google.com/rss/articles/CBMipAFBVV95cUxQeWx2bjdleTRiVTB0MWJhSmRlUVNQZUR6NEswX29iczdjRlRSbTJEZ0FidFBxd0d3ZXdCNGNEQTlrLTZJaVhZazRfQkE3OWJSb21ZbDRGOGZoaklTcW0zMDJ0MXI5NlA1N05zNjhTSWFXRWdLRzNkRFR2VXV6UlhYbnhXQUxQTUtTc0lLOW44dGozQVZwQUoyVlFiUHNMLWxBZDJYeg?oc=5) · CUInsight
- 2026-05-04 [Royal Credit Union to host 2nd annual Diaper Drive - WEAU](https://news.google.com/rss/articles/CBMihwFBVV95cUxPX2h1VVZJcklBUk1UQ2NsdGs3OVEtbkplNEVZcmtNUDJ4d2c1bG5GcXNmOHFJei0taldpRTVpdlhpSURib2tvb2hWZlUyYzBlWlpIcUlvVEwwMjZiUEJteHNwcXlCdVV4MHZWbnZtNmtHNFl2RmNydHk3NWw1MnI4OG00OUd6OHPSAZsBQVVfeXFMTXV0R0syTmdZbmd0TFJOT0NkSnczZjJQSGt4aDlyNnE4bXlQLUhpdnBlMFF5TVZiZjNoU0t6RkFUdXlmMmZRV2VmT3lfdk1uaDhTWnF6M3NuLTRDdG1HbVNhR2luUEpUMC1hb2RMYTU2XzduejZpanM3T09XRUlmM29IejRCY3NWNEJwaTIySk1xa0dad0g1YVg3Uk0?oc=5) · WEAU
- 2024-04-26 [Royal Credit Union celebrates 60 years in Eau Claire - wqow.com](https://news.google.com/rss/articles/CBMi2AFBVV95cUxOLWFnQS1scm1xWGZhYnNLa1lmeEFGaThzWDFOSXdnSldkRVpIb1ZhMFpFUmJEeUxKb3pTZkpOZThxLURwdDRhRF9KV2l6TUdnbi1IOVZYdmkxVUhHS1RkblRSbldlLTRNRkprNEx4NTAxang3UDVtY0ZSYURRNzZuRXJQWWtWWGhIUk9JeWhBR3luclRBX1JsQ09hRUFYVF82cU9QZG95QnVrNjYtbWx0cTlUY0FoaUhpdm5ublhiZjgxOEU0RVE0NWFLSzVoa29yTVJmbjB2NmM?oc=5) · wqow.com
- 2024-11-25 [YMCA Leadership Award of Excellence presented to Royal Credit Union’s Executive VP, Pam Haller - CUInsight](https://news.google.com/rss/articles/CBMizgFBVV95cUxNSFM0dkhVdDZVQ2RaTmtPNTE4VmFBWllNRWs2SmxOQ0J4R0F4OGZkV3pUS1ZScllRTFlBaDFITm5qa1VDQk56WnVZYWlveUsyVWxjRFZhUmoya3VHOE5iRnlSV1U5NWNBTmduYXVvWFZQS1VoV09qSFFDSl9CNzVKd2VCbHRzWWxteWZucDBLZlBLbFlVcE03WlZiZUxGZUEyZC1VQ3hraGhtdnVScl9BUk9aTmRjcVVDOEhUVldBSDBvUjRoTlFreWlhcWx1QQ?oc=5) · CUInsight

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66834 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/18.json (key "66834", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=66834
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide