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
- RANK 84/100
- PHOTO 16.6%
- BOOK 0.21%
- CHARTER 1.40%
- NCUSIF $84.4M
- CAMELS 5,441
- HEALTH #2,069/4,374
- NW Irving City Employees
- DELQ 6084
Call Report peers
Front Royal in the assets neighbourhood
Front Royal's $84.4M assets sit next to Irving City Employees ($84.3M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Front Royal vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
84 Top 50% higher than 50% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Front Royal - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #6084, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for VA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Front Royal
Front Royal: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.6% from $84.4M (2025Q4) to $86.5M (2026Q1).
- Net-worth ratio shifted +0.04 pp (16.59% → 16.63%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 84.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
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
Two NCUA Call Report peer sets for Front Royal, both outside Virginia so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($84.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (84/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Virginia credit unions compare overall before assuming this one is typical. Virginia state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Front Royal financially healthy?
Front Royal scores 84/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,069 of 4,374; by total assets it ranks #1,972 of 4,374 nationally (same basis as /rankings/largest); and #50 of 95 within Virginia. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 16.63% net worth ratio and a 0.21% delinquency rate.
How does Front Royal compare to other credit unions?
84/100 is Front Royal's score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Front Royal are 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."
What rates does Front Royal offer compared to banks?
Credit unions like Front Royal are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Front Royal directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.