Side-by-side · Q2 2026 data
City National Bank of West Virginia vs Front Royal Federal Credit Union
Credit union
Front Royal Federal Credit Union
Front Royal, Virginia · Under $100 million in assets
Metric by metric
| Measure | City National Bank of West Virginia | Front Royal Federal Credit Union |
|---|---|---|
| TellerScore | 78 | 97 (stronger) |
| Capital cushion | 46 | 100 (stronger) |
| Loan quality | 93 | 95 (stronger) |
| Earnings | 98 (stronger) | 91 |
| Funding & liquidity | 76 | 100 (stronger) |
| Problem-loan coverage | 97 | 99 (stronger) |
| Peer percentile | 86th | 98th |
| Total assets | $6.8B | $87.4M |
| Deposits / shares | $5.4B | $72.4M |
| Capital ratio | 9.65% | 16.91% (stronger) |
| Problem loans | 0.22% | 0.14% (stronger) |
| Net charge-offs | 0.05% (stronger) | 0.13% |
| Return on assets | 1.96% (stronger) | 1.79% |
| Loans ÷ deposits | 82.7% | 29.0% (stronger) |
| Uninsured deposits | 16.7% | 3.2% (stronger) |
| Offices | 95 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 27.3% | — |
Front Royal Federal Credit Union has the higher TellerScore (97 vs 78). On the 7 directional measures above (where higher or lower is clearly better), City National Bank of West Virginia leads on 2 and Front Royal Federal Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.