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Credit union, Eau Claire, WI
Royal Credit Union
A credit union based in Eau Claire, WI. Its commercial book is led by non-owner-occupied CRE and owner-occupied CRE. Public files show recent multifamily, 1-4 unit investor, SBA 504 and real-estate-secured commercial loans it made.
- Kind
- Credit union
- Data as of
- June 30, 2026
- Page last changed
- November 12, 2026
- Commercial book
- $1.50B
- NCUA 5300,
- Holds, not loans made
- Commercial loans made, H1 2026
- 103
- NCUA 5300,
- Real-estate-secured
- SBA loans, 36 months
- 5
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $5.91B
- NCUA 5300,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- 715-833-8111 From the NCUA record, June 30, 2026.
- Website
- www.rcu.orgFrom the NCUA record, November 9, 2026.
- Commercial lending page
- rcu.orgFrom the lender's website, retrieved November 11, 2026.
- Names it files under
- ROYALNCUA 5300,
- Address
- 200 Riverfront Terrace, Eau Claire, WI 54703NCUA 5300,
- Regulator record
- NCUA profile
You generally must be a member of a credit union to borrow from it. Field of membership: Non-Federal Credit Union.
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
What changed. Royal Credit Union originated 28 multifamily loans in 2025, versus 11 in 2024. HMDA,
| When | What the record shows | Source |
|---|---|---|
| Jun 2025 to Jun 2026 | Non-owner-occupied CRE balance rose 4.2% to $728.4M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
| Jun 2025 to Jun 2026 | Owner-occupied CRE balance rose 2.4% to $340.7M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Feb 2026 | Minnesota | SBA 504, Insurance Agencies and Brokerages | $650K | 25 yr | SBA FOIA | ||
| 2025 | Eau Claire County, WI | Refinance, 100 to 149 units | $10M | 6.04% | 28.5 yr | 70% | HMDA 2025 |
| 2025 | Ramsey County, MN | Refinance, 50 to 99 units | $6.7M | 5.85% | 30 yr | 64% | HMDA 2025 |
| 2025 | Isanti County, MN | Purchase, 50 to 99 units | $4.5M | 6.08% | 25 yr | 70% | HMDA 2025 |
| 2025 | Barron County, WI | Refinance, 5 to 24 units | $2.4M | 5.9% | 25 yr | 57% | HMDA 2025 |
| 2025 | Eau Claire County, WI | Refinance, 5 to 24 units | $2.1M | 5.89% | 25 yr | 66% | HMDA 2025 |
| 2025 | McLeod County, MN | Purchase, 5 to 24 units | $1.7M | 6.25% | 25 yr | 70% | HMDA 2025 |
| 2025 | Eau Claire County, WI | Purchase, 5 to 24 units | $1.4M | 5.77% | 25 yr | 65% | HMDA 2025 |
| 2025 | St. Croix County, WI | Purchase, 5 to 24 units | $1.3M | 6.1% | 25 yr | 63% | HMDA 2025 |
| 2025 | Stearns County, MN | Refinance, 5 to 24 units | $1.3M | 5.95% | 25 yr | 63% | HMDA 2025 |
| 2025 | Hennepin County, MN | Purchase, 5 to 24 units | $1M | 6.2% | 25 yr | 70% | HMDA 2025 |
| 2025 | Ramsey County, MN | Purchase, 5 to 24 units | $980K | 5.75% | 25 yr | 75% | HMDA 2025 |
| 2025 | Dunn County, WI | Refinance, 50 to 99 units | $940K | 5.95% | 15 yr | 18% | HMDA 2025 |
| 2025 | Eau Claire County, WI | Refinance, 5 to 24 units | $880K | 5.9% | 25 yr | 57% | HMDA 2025 |
| 2025 | Stearns County, MN | Purchase, 5 to 24 units | $840K | 6% | 20 yr | 80% | HMDA 2025 |
| 2025 | Wisconsin | Improvement, 5 to 24 units | $760K | 7.5% | 3 yr | 69% | HMDA 2025 |
| 2025 | St. Croix County, WI | Purchase, 5 to 24 units | $660K | 6.25% | 25 yr | 65% | HMDA 2025 |
| 2025 | Barron County, WI | Purchase, 5 to 24 units | $500K | 6.94% | 20 yr | 55% | HMDA 2025 |
| 2025 | Ramsey County, MN | Improvement, 5 to 24 units | $500K | 7.25% | 3 yr | 63% | HMDA 2025 |
| 2025 | Dunn County, WI | Refinance, 5 to 24 units | $440K | 6.15% | 25 yr | 37% | HMDA 2025 |
| 2025 | Dunn County, WI | Refinance, 5 to 24 units | $420K | 7.5% | 3 yr | 37% | HMDA 2025 |
| 2025 | St. Croix County, WI | Purchase, 5 to 24 units | $420K | 6.1% | 25 yr | 76% | HMDA 2025 |
| 2025 | Eau Claire County, WI | Refinance, 5 to 24 units | $240K | 6.25% | 10 yr | 31% | HMDA 2025 |
| 2025 | Wisconsin | Purchase, 5 to 24 units | $240K | 6.36% | 20 yr | 77% | HMDA 2025 |
| 2025 | Polk County, WI | Purchase, 5 to 24 units | $220K | 6.25% | 25 yr | 62% | HMDA 2025 |
| 28 multifamily loans made in 2025 | $41.0M | HMDA 2025 | |||||
A blank means the source did not report it.
What it holds
NCUA 5300, June 30, 2026
| Book | Holds | Of its loans | Year over year | Loans | Average |
|---|---|---|---|---|---|
| Multifamily | $305M | 6.0% | -9.3% | 380 | $802K |
| Construction and land development | $88.0M | 1.7% | +6.8% | 38 | $2.32M |
| Owner-occupied CRE | $341M | 6.7% | +2.4% | 463 | $736K |
| Non-owner-occupied CRE | $728M | 14.4% | +4.2% | 554 | $1.31M |
| Farmland | $0 | 0.0% | Not reported | 0 | Not reported |
| Commercial and industrial | $41.2M | 0.8% | -5.7% | 322 | $128K |
| Other real-estate-secured commercial | $0 | 0.0% | Not reported | Not reported | Not reported |
| Commercial total | $1.50B |
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $1.41B |
| Q4 2023 | $1.42B |
| Q1 2024 | $1.41B |
| Q2 2024 | $1.42B |
| Q3 2024 | $1.44B |
| Q4 2024 | $1.45B |
| Q1 2025 | $1.47B |
| Q2 2025 | $1.49B |
| Q3 2025 | $1.52B |
| Q4 2025 | $1.50B |
| Q1 2026 | $1.54B |
| Q2 2026 | $1.50B |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| Multifamily, 5 or more units | 2025 | 28 | $41.0M | $800K | $10M | HMDA, |
| Multifamily, 5 or more units | 2024 | 11 | $9.40M | $375K | HMDA, | |
| 1-4 unit investor or business purpose | 2025 | 212 | $42.4M | $155K | HMDA, | |
| SBA 504 first lien, net of cancelled | 36 months to Sep 2026 | 5 | $6.77M | $1.09M | $2.4M | SBA FOIA, |
| Real-estate-secured commercial | First half of 2026 | 103 | $133M | NCUA 5300, | ||
| Multifamily | First half of 2026 | 25 | $22.9M | NCUA 5300, | ||
| Construction | First half of 2026 | 4 | $5.98M | NCUA 5300, | ||
| Owner-occupied CRE | First half of 2026 | 35 | $30.5M | NCUA 5300, | ||
| Non-owner-occupied CRE | First half of 2026 | 39 | $73.8M | NCUA 5300, | ||
| C&I | First half of 2026 | 51 | $8.94M | NCUA 5300, |
How these public files were tied to this lender. HMDA: its legal entity identifier (LEI). SBA 504 first liens: name and lender office city.
| Book | Average loan |
|---|---|
| Construction and land development | $2.32M |
| Multifamily | $802K |
| Owner-occupied CRE | $736K |
| Non-owner-occupied CRE | $1.31M |
| Commercial and industrial | $128K |
Programs on record: Federal Home Loan Bank member, Chicago district (FHFA).
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| Wisconsin HQ | 49 | 19 | 131 | 0 | 3 |
| Minnesota | 8 | 9 | 77 | 0 | 2 |
| Florida | 0 | 0 | 1 | 0 | 0 |
| Illinois | 0 | 0 | 1 | 0 | 0 |
| Kentucky | 0 | 0 | 1 | 0 | 0 |
| Texas | 0 | 0 | 1 | 0 | 0 |
| County | Recorded loans | Dollars |
|---|---|---|
| Dunn County, WI | 6 | $1.99M |
| Eau Claire County, WI | 5 | $14.7M |
| Hennepin County, MN | 5 | $4.13M |
| Metro | Recorded loans | Dollars |
|---|---|---|
| Minneapolis-St. Paul-Bloomington, MN-WI | 14 | $21.2M |
| Eau Claire, WI | 6 | $15.1M |
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Business loan cap | $724M | $385M to $1.04B across 8 peers | Estimate: the lesser of 1.75 times net worth or 12.25% of assets. Low-income designated credit unions and some others are exempt. Not a statement from the credit union. | NCUA 5300, 12 CFR 723.8, Jun 30, 2026 |
| Business loans outstanding | $1.50B | $168K to $2.31B across 8 peers | Net member business loans, as reported on Form 5300. | NCUA 5300, |
| Cap used | 206.8% | 0.0% to 253.9% across 8 peers | Business loans outstanding over the estimated cap. | NCUA 5300, |
| Largest single borrower | $96.1M | $44.7M to $132M across 8 peers | Estimate: the greater of 15% of net worth or $100,000. Not a limit the credit union has stated. | NCUA 5300, 12 CFR 723.4, Jun 30, 2026 |
| CRE to net worth | 175.1% | 0.1% to 253.3% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by net worth. Our own ratio, not a regulatory test or limit. | NCUA 5300, |
| Loans to assets | 85.5% | 64.3% to 90.1% across 8 peers | Total loans divided by total assets. | NCUA 5300, |
Estimates use the formulas in 12 CFR 723. Low-income designated credit unions and some others are exempt from the cap.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| Community First Credit Union | WI | $6.84B | $1.91B |
| Covantage Credit Union | WI | $4.21B | $908M |
| Landmark Credit Union | WI | $7.91B | $2.24B |
| Summit Credit Union | WI | $8.52B | $1.04B |
| Fox Communities Credit Union | WI | $3.39B | $948M |
| Educators Credit Union | WI | $3.99B | $164M |
| Altra Credit Union | WI | $3.14B | $423M |
| Connexus Credit Union | WI | $4.14B | $168K |
What we don't know
- Whether it is taking new loans today, or on what terms.
- Who can join. A credit union lends only to its members, and field of membership decides who qualifies.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
- Credit union concentration ratios here are our own calculation against net worth. They are not a regulatory test or limit. Originations are Jan-Jun 2026 year to date.
Check this page
Against the regulator's own record
- Name and charter. Royal Credit Union, NCUA charter 66834. Compare it with the regulator's record. [NCUA profile]
- Balances. $5.91B in total assets and $1.50B in commercial loans held, from the NCUA 5300 for June 30, 2026. [Source]
- Loans made. 103 real-estate-secured commercial loans made in the first half of 2026, from your NCUA Form 5300, and 256 loans in HMDA and SBA files, through September 30, 2026: 28 HMDA multifamily 2025, 11 HMDA multifamily 2024, 212 HMDA 1-4 unit investor 2025, 5 SBA 504 first liens in 36 months. [How each file was tied to Royal Credit Union]
- Phone and website. Phone 715-833-8111, from the NCUA record. Website rcu.org, from the NCUA record. [How to reach them]
Something wrong? Report it with evidence. It is free, and it works the same for every lender whether it pays or not. Report an error
For the record
Data as of June 30, 2026. Page last changed November 12, 2026.
- Regulator
- NCUA and state regulator
- NCUA charter
- 66834
- RSSD
- 961295
- LEI
- 549300OZ550X4QD5PC74
- The Lender Report ID
- lr_000328
- Main office county
- Eau Claire
- Members
- 347,563
- NCUA region
- 3 - Western
NCUA credit union details,
- Reported $5.9B in total assets as of June 30, 2026 (NCUA 5300).
- Held $1.5B of commercial and commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $728.4M of non-owner-occupied commercial real estate loans as of June 30, 2026, up 4.2% from a year earlier (NCUA 5300).
- Held $340.7M of owner-occupied commercial real estate loans as of June 30, 2026, up 2.4% from a year earlier (NCUA 5300).
- Held $304.8M of multifamily loans as of June 30, 2026 (NCUA 5300).
- Originated 28 multifamily loans totaling $41M in 2025 (HMDA).
6 more sentences
- Originated 11 multifamily loans totaling $9.4M in 2024 (HMDA).
- Originated 212 1-4 unit investor or business-purpose loans totaling $42.4M in 2025 (HMDA).
- Provided the first lien on 5 SBA 504 projects with $6.8M in first-lien dollars from October 1, 2023 to September 30, 2026 (SBA).
- Originated 103 real-estate-secured commercial loans totaling $133.2M in the first half of 2026 (NCUA 5300).
- Held $3.2M of nonmember commercial loans and participations as of June 30, 2026 (NCUA 5300).
- Listed 57 offices in 2 states (NCUA).
Cite this
Source: The Lender Report, Royal Credit Union, https://lender.report/lender/royal-credit-union-wi/, data as of June 30, 2026.
Sources
- NCUA 5300, June 30, 2026
- NCUA 5300, June 30, 2025
- HMDA, 2025
- SBA FOIA, September 30, 2026
- NCUA 5300, June 30, 2026
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Work at Royal Credit Union? Claim this page, free.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem