Side-by-side · Q2 2026 data
First Bank 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 | First Bank | Front Royal Federal Credit Union |
|---|---|---|
| TellerScore | 67 | 97 (stronger) |
| Capital cushion | 44 | 100 (stronger) |
| Loan quality | 89 | 95 (stronger) |
| Earnings | 65 | 91 (stronger) |
| Funding & liquidity | 62 | 100 (stronger) |
| Problem-loan coverage | 95 | 99 (stronger) |
| Peer percentile | 44th | 98th |
| Total assets | $2.1B | $87.4M |
| Deposits / shares | $1.8B | $72.4M |
| Capital ratio | 9.44% | 16.91% (stronger) |
| Problem loans | 0.32% | 0.14% (stronger) |
| Net charge-offs | 0.09% (stronger) | 0.13% |
| Return on assets | 1.14% | 1.79% (stronger) |
| Loans ÷ deposits | 79.8% | 29.0% (stronger) |
| Uninsured deposits | 31.1% | 3.2% (stronger) |
| Offices | 32 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.0% | — |
Front Royal Federal Credit Union has the higher TellerScore (97 vs 67). On the 7 directional measures above (where higher or lower is clearly better), First Bank leads on 1 and Front Royal Federal Credit Union on 6. 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.