Side-by-side · Q2 2026 data
Front Royal Federal Credit Union vs Virginia Educators Credit Union
Credit union
Front Royal Federal Credit Union
Front Royal, Virginia · Under $100 million in assets
Credit union
Virginia Educators Credit Union
Newport News, Virginia · Under $100 million in assets
Metric by metric
| Measure | Front Royal Federal Credit Union | Virginia Educators Credit Union |
|---|---|---|
| TellerScore | 97 (stronger) | 96 |
| Capital cushion | 100 | 100 |
| Loan quality | 95 (stronger) | 86 |
| Earnings | 91 | 97 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 98th | 97th |
| Total assets | $87.4M | $76.3M |
| Deposits / shares | $72.4M | $57.3M |
| Capital ratio | 16.91% | 24.16% (stronger) |
| Problem loans | 0.14% (stronger) | 0.43% |
| Net charge-offs | 0.13% (stronger) | 0.21% |
| Return on assets | 1.79% | 1.92% (stronger) |
| Loans ÷ deposits | 29.0% | 13.0% (stronger) |
| Uninsured deposits | 3.2% (stronger) | 3.4% |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Front Royal Federal Credit Union has the higher TellerScore (97 vs 96). On the 7 directional measures above (where higher or lower is clearly better), Front Royal Federal Credit Union leads on 4 and Virginia Educators Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.