Side-by-side · Q2 2026 data
Kemba Roanoke Federal Credit Union 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 | Kemba Roanoke Federal Credit Union | Front Royal Federal Credit Union |
|---|---|---|
| TellerScore | 82 | 97 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 75 | 95 (stronger) |
| Earnings | 44 | 91 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 97 | 99 (stronger) |
| Peer percentile | 70th | 98th |
| Total assets | $76.7M | $87.4M |
| Deposits / shares | $65.0M | $72.4M |
| Capital ratio | 16.37% | 16.91% (stronger) |
| Problem loans | 0.74% | 0.14% (stronger) |
| Net charge-offs | 0.78% | 0.13% (stronger) |
| Return on assets | 0.60% | 1.79% (stronger) |
| Loans ÷ deposits | 36.5% | 29.0% (stronger) |
| Uninsured deposits | 2.2% (stronger) | 3.2% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Front Royal Federal Credit Union has the higher TellerScore (97 vs 82). On the 7 directional measures above (where higher or lower is clearly better), Kemba Roanoke Federal Credit Union leads on 1 and Front Royal Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.