C
Royal Credit Union
Rating Date
July 2025
Net Capital
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Major Rating Factors: A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10). Excellent current capitalization (7.5 on a scale of 0 to 10) based on a net capital to total assets of 9.8 and a net worth ratio of 0.0.
Other Rating Factors: A current level of 5.0 percent of nonperforming loans to core capital combined with 2.4 percent from a year earlier contributes to the Excellent asset quality (8.0). Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.0 has resulted in Excellent (7.7) profitability.
Asset Mix: Consumer loans (32%), home mtgs (19%), other (49%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
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Hot Money
Corporate Info
Address
200 Riverfront Terrace
Eau Claire, WI 54703
Phone Number
(715) 833-8111
NCUA Charter Number
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