Royal Credit Union
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). A current level of 4.9 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.2).
Other Rating Factors:
Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.4 has resulted in Excellent (8.6) profitability. Excellent current capitalization (8.0 on a scale of 0 to 10) based on a net capital to total assets of 10.2 and a net worth ratio of 10.2.
Asset Mix:
Consumer loans (31%), comm loans (27%), home mtgs (19%), other (24%)
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
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
200 Riverfront Terrace
Eau Claire, WI 54703
Eau Claire, WI 54703
Phone Number
(715) 833-8111
NCUA Charter Number
Website
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