Credit unions · Wisconsin · Q2 2026
Royal CU AI Score
Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.
| Total assets | $5.91B |
| Total loans & leases | $5.06B |
| Total shares & deposits | $5.19B |
| Members | 342,800 |
| Net worth | $640M |
| Net worth / assets | 10.83% |
| Loans / assets | 85.55% |
| Return on assets (annualized) | 1.47% |
| Loan growth (YoY) | 4.49% |
| Member growth (YoY) | 3.87% |
| Delinquency, all loans (60+ days) | 0.43% |
| Charter | State charter (federally insured) |
| Asset band | > $5B |
| NCUA peer group | over $500M |
| Sponsor type | Community (inferred from the name) |
AI readiness
AI Score: 3 of 5 stars, AI connected to internal credit-union data
Royal Credit Union runs a member-facing chatbot called "Val" that answers member questions from a knowledge base it trains daily, and it has an internal AI Innovation Lab that piloted machine learning on its own data with student interns. There is no public evidence of AI making or executing decisions inside lending, collections or other workflows.
- Artificial Intelligence Provides Real Service At Royal Credit Union | CreditUnions.com | Data & Insights For Credit Unions “Val is Royal's chatbot avatar that's been handling more than 7,000 queries a month through the cooperative's website”
- Computer science students solve Royal Credit Union problems with machine learning | UW-Stout Polytechnic “The internship was a pilot program to help Royal implement machine learning, a subset of artificial intelligence in which algorithms are used to find patterns in data to make predictions”