TellerScore

Headquartered in Front Royal, Virginia, Front Royal Federal Credit Union is a federal credit union with $87.4M in total assets and $72.4M in member shares and deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1949.

Based on its Q2 2026 filing, Front Royal Federal Credit Union scores 97/100, which we describe as very strong. That is higher than 98% of 2,479 credit unions with under $100 million in assets. Among 95 credit unions headquartered in Virginia, it ranks 2nd. Its strongest component is capital cushion (100/100; 16.91%), and its lowest is earnings (91/100; 1.79%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 16.91%
Loan quality95/100
Loans 60+ days delinquent ÷ total loans: 0.14%
Earnings91/100
Return on assets (annualized): 1.79%
Funding & liquidity100/100
Loans ÷ shares: 29.0% · 3.2% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.33%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (97 → 97).

TellerScore
949698Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202494
Q3 202497
Q4 202494
Q1 202595
Q2 202597
Q3 202597
Q4 202596
Q1 202698
Q2 202697
Net worth ratio
7.00%11.96%16.91%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.75%
Q3 202415.21%
Q4 202415.46%
Q1 202515.41%
Q2 202516.01%
Q3 202516.45%
Q4 202516.59%
Q1 202616.63%
Q2 202616.91%
Delinquent loans (60+ days)
0.07%0.18%0.29%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.27%
Q3 20240.07%
Q4 20240.25%
Q1 20250.29%
Q2 20250.23%
Q3 20250.25%
Q4 20250.21%
Q1 20260.13%
Q2 20260.14%
Return on assets
1.46%1.67%1.87%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.61%
Q3 20241.62%
Q4 20241.46%
Q1 20251.71%
Q2 20251.87%
Q3 20251.87%
Q4 20251.76%
Q1 20261.81%
Q2 20261.79%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202697$87.4M16.91%0.14%1.79%29.0%
Q1 202698$86.5M16.63%0.13%1.81%29.2%
Q4 202596$84.4M16.59%0.21%1.76%30.7%
Q3 202597$83.2M16.45%0.25%1.87%31.9%
Q2 202597$83.1M16.01%0.23%1.87%30.9%
Q1 202595$83.6M15.41%0.29%1.71%29.4%
Q4 202494$81.0M15.46%0.25%1.46%32.0%
Q3 202497$81.0M15.21%0.07%1.62%30.5%
Q2 202494$81.3M14.75%0.27%1.61%30.8%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio16.91%
65th
Problem loans0.14%
77th
Net charge-offs0.13%
54th
Return on assets1.79%
91st
Loans to deposits29.0%
90th
Uninsured deposits3.2%
35th
Loan-loss reserves0.00%
37th
Texas ratio0.3%
78th

Similar-size credit unions in Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
Pwc Employees Federal Credit UnionCredit union Woodbridge, VA75 out of 100, Strong$86.3M14.0%1.27%vs
Rva Financial Federal Credit UnionCredit union Richmond, VA76 out of 100, Strong$82.7M12.2%1.42%vs
Salem VA Medical Center Federal Credit UnionCredit union Salem, VA80 out of 100, Strong$93.5M13.0%0.16%vs
Baylands Family Credit UnionCredit union West Point, VA58 out of 100, Moderate$95.0M9.6%1.74%vs
Connects Federal Credit UnionCredit union Richmond, VA27 out of 100, Low$98.1M5.4%1.85%vs
Kemba Roanoke Federal Credit UnionCredit union Salem, VA82 out of 100, Strong$76.7M16.4%0.74%vs

Deposit insurance

Is my money safe at Front Royal Federal Credit Union?

Yes. Front Royal Federal Credit Union is a federally insured credit union (NCUA charter #6084). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 3.2% of shares and deposits ($2.3M) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 16.91%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Front Royal Federal Credit Union lists 3 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Front Royal Federal Credit Union
Type
Federal credit union
NCUA charter #
6084
RSSD ID
172886
Primary regulator
NCUA
Established
1949
Headquarters
230 N Royal Ave, Front Royal, VA 22630
Employees
13

Quick answers

Front Royal Federal Credit Union: common questions

Is Front Royal Federal Credit Union NCUA insured?

Yes. Front Royal Federal Credit Union is a federally insured credit union (NCUA charter #6084). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Front Royal Federal Credit Union's TellerScore?

97 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Front Royal Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Front Royal

InstitutionScoreAssetsCapitalProblem loansCompare
Midway Federal Credit UnionCredit union Berryville, VA85 out of 100, Very strong$9.7M23.6%0.00%vs
Pioneer BankBank Stanley, VA84 out of 100, Strong$371.8M12.0%0.03%vs
Virginia National BankBank Charlottesville, VA83 out of 100, Strong$1.6B13.2%0.47%vs
City National Bank of West VirginiaBank Charleston, WV78 out of 100, Strong$6.8B9.6%0.22%vs
Apple Federal Credit UnionCredit union Fairfax, VA76 out of 100, Strong$5.7B10.9%0.56%vs
Dupont Community Credit UnionCredit union Waynesboro, VA76 out of 100, Strong$2.1B10.9%0.33%vs