Credit union
Royal Credit Union
Eau Claire, Wisconsin, Eau Claire County, WI
$5.9B in total assets and 342,847 members, the 67th largest of 4,298 US credit unions and 5th of 98 headquartered in Wisconsin.
- NCUA charter
- 66834
- Charter
- State chartered (WI)
- Chartered
- 1964
- NCUA insured since
- 1986
- Website
- http://www.rcu.org
At a glance
Compared with 14 federally insured credit unions in Wisconsin with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This credit union | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $5.9B | 71% | $3.7B | |
| Loans | $5.1B | 79% | $2.8B | |
| Deposits (shares) | $5.2B | 71% | $3.0B | |
| Members | 342,847 | 79% | 163,724 | |
| Return on assets | 1.48% | 86% | 1.19% | |
| Net interest income to assets | 3.72% | 79% | 3.33% | |
| Efficiency ratio | 60.3% | 14% | 65.8% | |
| Net worth ratio | 10.83% | 43% | 11.55% | |
| Loans to shares | 97% | 50% | 94% | |
| Cost of deposits | 2.14% | 57% | 2.07% |
Ratios are annualized from year-to-date figures. Return on assets uses average assets, as NCUA does. Cost of deposits includes dividends on shares.
Growth
Total assets grew 12.3% a year over 10 years and 9.5% a year over the last 5, including 3 mergers in the last 10 years. Membership grew 7.3% a year over 5 years, to 342,847.
Mergers and acquisitions
| Closed | Absorbed | Assets at last filing |
|---|---|---|
| Oct 2021 | Utilities Credit Union Credit union, Eau Claire, WI | $7M |
| Aug 2021 | Peoples Choice Credit Union Credit union, Medford, WI | $52M |
| Aug 2016 | Capital Bank Bank, St. Paul, MN | $35M |
| Mar 2014 | Sacred Heart Hospital Employees Credit Union Credit union, Eau Claire, WI | $5M |
Where they operate
56 branches in 14 counties.
29 of 56 branch locations are approximate (ZIP code centers).
Largest counties by branches
| County | Branches | Share of all branches | Rank |
|---|---|---|---|
| Eau Claire County, WI | 19 | 38.8% | 1 of 21 |
| Chippewa County, WI | 8 | 24.2% | 1 of 16 |
| Polk County, WI | 5 | 23.8% | 1 of 13 |
| Clark County, WI | 4 | 22.2% | 1 of 9 |
| St. Croix County, WI | 4 | 12.5% | 2 of 15 |
| Ramsey County, MN | 3 | 2.3% | 9 of 59 |
| Barron County, WI | 3 | 13.6% | 2 of 12 |
| Dakota County, MN | 2 | 1.7% | 15 of 51 |
Credit unions do not report deposits by branch, so these are branch counts: this credit union's branches against every bank and credit union branch in the county. Rank is among all banks and credit unions with a branch there.
Branches by year
| Year end | Branches | Change |
|---|---|---|
| 2016 | 51 | |
| 2017 | 48 | −3 |
| 2018 | 48 | 0 |
| 2019 | 49 | +1 |
| 2020 | 49 | 0 |
| 2021 | 50 | +1 |
| 2022 | 56 | +6 |
| 2023 | 57 | +1 |
| 2024 | 56 | −1 |
| 2025 | 56 | 0 |
| Jun 2026 | 56 | 0 |
Member-serving offices as listed in NCUA call reports. Changes include branches gained in mergers.
Earnings and credit
Return on assets
Year to date, annualized, with the peer median.
Credit and capital
| This credit union | Peer median | |
|---|---|---|
| Delinquent loans, 60+ days | 0.43% | 0.65% |
| Net worth ratio | 10.83% | 11.55% |
| Loans to shares | 97% | 94% |
Delinquent loans are two or more months past due. Net worth is NCUA's capital measure for credit unions.
Related
Credit unions of similar size in Wisconsin
Most branches in Eau Claire County, WI
Figures as of June 30, 2026 from the credit union's NCUA call report (Form 5300), NCUA's credit union locator and FFIEC merger records.