Federal credit union · FRONT ROYAL, Virginia · NCUA charter #6084
Front Royal
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $84.4M
- Total assets
- 5,441
- Members
- 16.6%
- Net-worth ratio
Front Royal scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $84.4M; members 5,441; net-worth ratio 16.63%; health rank #2,069 of 4,374; healthier than 50th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,069 of 4,374 health · 2025Q4Front Royal · health 84/100 · $84.4M · 2025Q4
Call Report peers
Front Royal in the assets neighbourhood
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Front Royal vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Front Royal sits in 80-84 with 767 others.
84 Top 50% higher than 50% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Front Royal
- Net Worth Ratio leads the peer set - 16.63% here, 13.62% peer average (+3.01 pp).
- Loan-to-Share Ratio trails the peer set - 30.70% here, 62.60% peer average (-31.90 pp).
Front Royal: in-state Call Report ranks
- Virginia health ordinal: #34 of 95.
- By total assets, Front Royal is #50 of 95 in Virginia.
- Member book place in Virginia: #53 of 95.
- One place up in Virginia, Central Virginia (#33) scores 85/100, 1 point higher; one place down, SIGNATURE (#35) ties at 84/100.
Quarter path for Front Royal
Front Royal: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.6% from $84.4M (2025Q4) to $86.5M (2026Q1).
- Net-worth ratio shifted +0.04 pp (16.59% → 16.63%).
16.63% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 84/100 score is built
Front Royal gives up 16 points in total. Member Growth costs the most, 9.6 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 5.4 pts
- Loan-to-Share Ratio 8.6 pts
Call Report ratios for Front Royal
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.63% | +3.01 pp |
| Delinquency Rate | 0.21% | -0.75 pp |
| Return on Assets | 1.40% | +0.75 pp |
| Member Growth | -2.02% | - |
| Loan-to-Share Ratio | 30.70% | -31.90 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Front Royal quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $86.5M | - |
| 2025Q4 | $84.4M | 5,441 |
| 2024Q4 | $81.0M | 5,553 |
| 2023Q4 | $81.6M | 5,601 |
Credit Union Details
- Charter Number
- 6084
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Virginia
- City
- FRONT ROYAL
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for Front Royal.
| Office | City |
|---|---|
| Front Royal FCU (Main Office) | Front Royal, VA |
| Front Royal FCU | Front Royal, VA |
| Front Royal FCU | Front Royal, VA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Virginia
More federally-insured credit unions based in Virginia, ordered by peer group match and asset size.
Front Royal nationwide neighbourhoods
Using this data
- Front Royal ranks #2,069 of 4,374 nationally on financial health and #34 of 95 in VA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Pwc Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Pwc Employees
Frequently Asked Questions
Is Front Royal financially healthy?
On its 2025Q4 NCUA 5300 filing, Front Royal scores 84/100 (Excellent), with a 16.63% net worth ratio and 0.21% of loans delinquent. It ranks #2,069 of 4,374 nationally on health and #34 of 95 in Virginia.
How does Front Royal compare to other credit unions?
Front Royal scores 84/100, higher than 50% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is net worth ratio (16.63% vs 13.62%). Its widest shortfall is loan-to-share ratio (30.70% vs 62.60%).
How can I join Front Royal?
Front Royal operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Front Royal directly for the exact boundaries and application steps.
Is my money safe at Front Royal?
Front Royal is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Front Royal's net worth ratio of 16.63% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.