Sep, 30, 2025 — ROYAL CREDIT UNION is a federally insured state chartered credit union headquartered in EAU CLAIRE, WI with 56 branch locations and about $5.71 billion in total assets. Opened 62 years ago in 1964, ROYAL CREDIT UNION has about 335,126 members and employs 869 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | ROYAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 200 Riverfront Ter EAU CLAIRE, WI 54703 |
| Phone: | (715) 833-8111 |
| Fax: | |
| Website: | https://www.rcu.org |
| Branches: | 56 branch locations |
| Members: | 335,126 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 66834 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1964 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $5,714,685,305 |
| CEO/Manager: | Brandon Riechers |
| Chairperson: | Tom Huffcutt |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 432,220,599 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 23,064,403 |
| Real Estate Loans | 2,918,131,305 |
| Unsecured Loans | 192,239,642 |
| Other Loans | 1,790,924,873 |
| TOTAL LOANS | 4,952,854,006 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -41,925,931 |
| Land And Building | 49,363,780 |
| Other Fixed Assets | 6,426,457 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 42,324,803 |
| All Other Assets | 717,951 |
| TOTAL ASSETS | 5,714,685,305 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 3,409,836 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 74,295,228 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 868,936,074 |
| Regular shares | 1,043,288,403 |
| All Other Shares & Deposits | 3,144,118,100 |
| TOTAL SHARES & DEPOSITS | 5,056,342,577 |
| TOTAL LIABILITIES | 5,134,599,013 |
| Regular Reserve | 0 |
| Other Reserves | 3,377,445 |
| Undivided Earnings | 576,708,847 |
| TOTAL EQUITY | 580,086,292 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 5,714,685,305 |
| INCOME & EXPENSE | |
| Loan Income | 216,078,777 |
| Investment Income | 30,797,948 |
| Other Income | 19,420,487 |
| Total Employee Compensation & Benefits | 73,410,350 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 51,939,347 |
| Non-operating Income & (Expense) | -29,484 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 15,323,600 |
| Cost of Funds | 97,444,165 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 57,040,443 |
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