Side-by-side · Q2 2026 data
Front Royal Federal Credit Union vs Baylands Family Credit Union
Credit union
Front Royal Federal Credit Union
Front Royal, Virginia · Under $100 million in assets
Metric by metric
| Measure | Front Royal Federal Credit Union | Baylands Family Credit Union |
|---|---|---|
| TellerScore | 97 (stronger) | 58 |
| Capital cushion | 100 (stronger) | 46 |
| Loan quality | 95 (stronger) | 42 |
| Earnings | 91 (stronger) | 54 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 99 (stronger) | 81 |
| Peer percentile | 98th | 19th |
| Total assets | $87.4M | $95.0M |
| Deposits / shares | $72.4M | $85.5M |
| Capital ratio | 16.91% (stronger) | 9.62% |
| Problem loans | 0.14% (stronger) | 1.74% |
| Net charge-offs | 0.13% (stronger) | 0.29% |
| Return on assets | 1.79% (stronger) | 0.86% |
| Loans ÷ deposits | 29.0% (stronger) | 57.5% |
| Uninsured deposits | 3.2% | 2.6% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.8% |
Front Royal Federal Credit Union has the higher TellerScore (97 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Front Royal Federal Credit Union leads on 6 and Baylands Family Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.