Side-by-side · Q2 2026 data
Pioneer 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 | Pioneer Bank | Front Royal Federal Credit Union |
|---|---|---|
| TellerScore | 84 | 97 (stronger) |
| Capital cushion | 70 | 100 (stronger) |
| Loan quality | 99 (stronger) | 95 |
| Earnings | 100 (stronger) | 91 |
| Funding & liquidity | 53 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 86th | 98th |
| Total assets | $371.8M | $87.4M |
| Deposits / shares | $296.2M | $72.4M |
| Capital ratio | 11.96% | 16.91% (stronger) |
| Problem loans | 0.03% (stronger) | 0.14% |
| Net charge-offs | -0.04% (stronger) | 0.13% |
| Return on assets | 2.81% (stronger) | 1.79% |
| Loans ÷ deposits | 97.1% | 29.0% (stronger) |
| Uninsured deposits | 24.3% | 3.2% (stronger) |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.7% | — |
Front Royal Federal Credit Union has the higher TellerScore (97 vs 84). On the 7 directional measures above (where higher or lower is clearly better), Pioneer Bank leads on 3 and Front Royal Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.